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Credit Risk Analyst

Published on 24.09.2020


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Mikensy Consulting Limited (MCL) is a management training, manpower development and recruiting organization. read more

Job Ad & Profile Description

Position : Credit Risk Analyst

Under the Supervision of the Head, Credit Risk, the successful candidates) will be required to undertake the following:

  • Analyse, assess and approve (within delegated authorities) credit applications to ensure that the risk is sufficiently contained within acceptable parameters, relative to the profitability of each deal.
  • Ensure that the Bank’s policies and procedures pertaining to credit risk are complied with at all times and conform to best practices
  • Ensure that all the necessary controls and systems are in place to address the risks encountered in the post-credit granting stage and that the Non- Performing Loan (NPL) book is properly managed
  • Perform periodic inspections to ensure that draw down of facilities are only approved where all terms and conditions of sanction/covenants have been met and all required collateral have been obtained and are in legal order.
  • Perform periodic inspections to ensure compliance with all relevant regulatory and statutory requirements.
  • Oversee that all standard legal documents (such as facility letters, cessions, pledges, surety ships/guarantees) are continually reviewed to ensure enforceability and legality at all times.
  • Ensure compliance with Central Bank and all relevant regulations
  • Ensure that all shortcomings highlighted in Internal and External Audit reports are sufficiently and timeously addressed and the necessary actions are taken to prevent a recurrence of the listed shortcomings.
  • Manage credit team effectively by providing appropriate leadership and guidance growing quality staff through effective motivation, training and development, on-the-job coaching, reward and recognition and performance management.
Required profile for job ad : Credit Risk Analyst

• Minimum of a good first degree from a recognised University plus MBA in Finance/Economics or its equivalent.
• At least five (5) years experience in Credit Risk Management, Credit Administration, Credit Review or Risk Exposure Modelling. Excellent Credit Risk experience gained within the financial services sector.
• Strong analytical and interpersonal skills with ability to work under pressure.
• Good comprehension and appreciation of existing and anticipated commercial and relevant local laws and regulations.
• High integrity, credibility and communication skills to operate confidently and effectively at senior levels both internally and externally.

Closing Date: 28 September, 2020

Job criteria for job ad : Credit Risk Analyst
Job category :
Accounting, controlling, finance
Industries :
Banking, insurance, finance
Employment type :
Permanent contract
Region :
Greater Accra
City : Accra
Experience level :
2 to 5 years
Educational level :
Number of Position(s) : 1

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