Credit Analyst

Affinity Ghana Savings And Loans

Job Location:

Accra - Ghana

Monthly Salary: Not Disclosed

Posted on: 2 days ago

Vacancies: 1 Vacancy

Job Summary

The Credit Analyst manage the origination of credit proposals on behalf of Relationship Officers. The Credit Analyst role will include supporting in account and portfolio management as required.

Required Skills:

Responsibilities

Identify credit and risk management requirements at the source of the deal or business proposal
Conduct credit evaluation interviews (for businesses) or assessments (for retail clients) to obtain sufficient information for evaluating financial and business risk
Prepare credit applications with sound financial and business justification within acceptable risk parameters
Evaluate whether proposals meet sound business/personal criteria and ensure counter-party credit risk falls within acceptable limits
Recommend appropriate credit facilities including terms and conditions based on risk evaluation
Monitor identify and mitigate risks inherent in business and retail credit portfolios
Work in partnership with Relationship Officers to identify alternatives that could bring non-viable deals/proposals within acceptable risk parameters
Present and defend own credit judgment and evaluations to clients without negatively affecting relationships
Gain a thorough understanding of economic business regulatory and legal environments affecting clients
Identify quantify and evaluate sources of risk in relation to profitability business viability or retail portfolio quality
Utilize industry and market risk analysis to understand contextual threats to clients
Build and maintain cooperative relationships with internal stakeholders across the credit value chain to improve proposal quality and turnaround times
Share joint credit responsibility for the assigned portfolio
Understand facility terms covenants and conditions to manage risk throughout the life of the credit
Continuously monitor schemes and portfolios to ensure growth quality and compliance with risk policies

The Credit Analyst manage the origination of credit proposals on behalf of Relationship Officers. The Credit Analyst role will include supporting in account and portfolio management as required.Required Skills:ResponsibilitiesIdentify credit and risk management requirements at the source of the deal...