Credit Risk Analyst at Unique Personnel

Job Description    

• Credit Risk Analyst, you will be responsible for evaluating and managing credit risks and ensuring compliance with regulatory requirements. The ideal candidate will have a deep understanding of credit risk management principles, experience in the company market, and strong analytical skills. This role requires an individual with excellent decision-making abilities, the ability to work well under pressure, and the confidence to collaborate with diverse teams and stakeholders.

Responsibilities

• Assess and evaluate the creditworthiness of clients and borrowers within the African market, ensuring adherence to credit risk policies and guidelines.
• Conduct comprehensive credit risk analysis and due diligence on potential borrowers, utilizing financial models and industry-specific risk assessment tools.
• Monitor and continuously assess credit risk exposure across the portfolio, analysing trends and identifying potential risks or areas for improvement.
• Collaborate with various internal teams, including underwriters, finance, and legal, to streamline credit risk processes and ensure consistent decision-making.
• Review and analyse credit documentation, loan agreements, and collateral requirements, ensuring compliance with internal policies and external regulatory guidelines.
• Establish and maintain effective relationships with external stakeholders, including credit rating agencies, banks, regulatory bodies, and other financial institutions.
• Provide guidance and training to teams involved in credit risk activities, ensuring a thorough understanding of credit risk management principles and best practices.
• Monitor and provide regular reports on credit risk metrics, key performance indicators, and portfolio trends to senior management and relevant stakeholders.
• Stay updated on industry trends, market conditions, and regulatory changes in the African market, enabling proactive risk mitigation strategies and adjustments to credit policies.
• Support continuous process improvements across finance reporting, working capital, and performance management
• Support the preparation of budgets, forecasts, and rolling outlooks, including variance and assumption analysis
• Support cash flow forecasting, monitoring, and analysis across the business
• Ensure compliance with finance policies and controls, supporting audits, systems enhancements, and data quality initiatives

Inherent Requirements    

Requirements

• Bachelor's degree in finance, Economics, Business Administration, or a related field. Advanced degree or certifications (e.g., FRM, CFA) are preferred.
• Proven experience in credit risk management within the company market, with a minimum of 3 years in a similar role.
• In-depth knowledge of credit risk management principles, methodologies, and regulatory frameworks within the African context.
• Strong analytical and quantitative skills, with the ability to assess complex financial data and make sound credit risk decisions.
• Familiarity with risk assessment tools, credit scoring models, and underwriting practices.
• Excellent understanding of industry-specific credit risk factors and market dynamics in the African market.
• Proficiency in using financial analysis software , risk management systems, and MS Office applications.
• Effective communication and presentation skills, with the ability to articulate complex credit risk concepts to diverse audiences.
• Strong problem-solving and decision-making abilities, with attention to detail and accuracy in credit risk assessment.