Credit Analyst at Avenews
Key Responsibilities
Credit Assessment & Underwriting
Conduct credit analysis and evaluate financial data to assess the creditworthiness of clients.
Provide risk-aligned inputs to support decision-making.
Collaborate with account managers, customer care agents, and the sales team to validate borrower information and assess risk in business context.
KYC Documentation
Document verification to identify and prevent fraud.
Verify the accuracy and completeness of client-provided information.
Support the completion of KYC processes for both new and existing clients, ensuring compliance with regulatory requirements and internal policies.
Portfolio Monitoring
Monitor the loan portfolio to identify high-risk exposures and support ongoing loan reviews.
Collaborate with Account Managers to ensure timely completion of periodic portfolio assessments.
Policy, Process & Control
Contribute to the enhancement of credit and risk policies.
Help review loan documentation and ensure compliance with internal risk guidelines.
Any other responsibility that will be assigned from time to time by the line manager.
Requirements
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Education: Bachelor’s degree in Finance, Economics, Statistics, or a related quantitative field.
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Experience: 2 – 3 years in credit analysis within a Bank, Microfinance (MFI), or Fintech environment; experience in Agri-lending is a plus.
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Financial Analysis: Expert ability to analyze financial statements and cash flow cycles to determine debt-service capacity.
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Technical Skills: Advanced proficiency in MS Excel & Spreadsheets.
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Regulatory Knowledge: Strong understanding of CBK Prudential Guidelines and the Data Protection Act.
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KYC & Compliance: Eye for detail to perform document verification, identify fraud red flags, and ensure 100% regulatory compliance.
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Soft Skills: Excellent communication and negotiation skills to collaborate with other team members on high-risk interventions.
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Portfolio Management: Proven track record in monitoring PAR buckets and implementing recovery strategies for under-performing loans and market segments.
