2 Duties:

General Duties

• Credit Risk Assessment: Conduct thorough credit assessments of potential and existing clients, including financial statement analysis and credit scoring.
• Evaluate the creditworthiness of borrowers and counterparties to determine risk levels and develop and maintain credit risk models and rating systems.
• Portfolio Monitoring: Monitor and analyze the company’s credit portfolio to identify trends, concentrations, and potential risks.
• Conduct regular stress testing and scenario analysis to evaluate the impact of adverse conditions and report on credit risk metrics and portfolio performance to senior management.
• Approve or reject loan requests, based on credibility and potential revenues and losses.
• Calculate and set interest rates.
• Negotiate loan terms with financial institutions.
• Monitor payments.
• Maintain records of loan applications.
• Follow up with financial institutions to manage debt settlements and loan renewals.
• Ensure all lending procedures comply with regulations.
• Develop, review, and update our company’s credit policies.
• Be available to travel for business events and duties.
• Perform administrative and ad hoc duties.

3Requirements:

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
• Proven work experience in credit risk management, with a proven track record.
• Hands-on experience with accounting software.
• Solid understanding of lending procedures.

4Skills:

• Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel)
• Good negotiation skills
• Strong understanding of credit risk assessment methodologies and financial analysis.
• Proficient in risk management software and tools.
• Knowledge of regulatory requirements and industry standards related to credit risk.

5Departmental Relations:

• Maintains contact with all departments.

6External Relations:

• Maintains contact with clients, potential clients.
• Maintains contact with financial institutions, credit rating agencies

7Responsibility for Assets:

• Credit risk assets and tools
• Company equipment including computers and mobile devices

8Salary:

• GHS 5,000 – GHS 7,000

Deadline: July 30, 2024.