Credit Risk Analyst at Maritime Microfinance Bank Limited (MMFB)

Responsibilities

• The Credit Risk Analyst’s main duty is to produce quality and timely credit analytic reports about Maritime Microfinance Bank Limited to the Management and to all stakeholders in compliance with approved definitions, templates, and formats,
• He/she shall be required to develop and update the Bank’s credit risk analytic reporting tools and ensure reporting processes are adequate and effective.

Main Duties:

•  Prepare internal credit risk analytical reports of the Bank. The main reports are:
  • Credit risk reporting package
  • Vintage analysis report
  • Transition matrix report
  • Sector analysis report
  • Monthly Management Risk Committee reports/presentation
  • Various ad-hoc credit risk analysis reports
• Provide monthly analysis using dashboards to highlight portfolio-related risk management issues, including concentration, patterns, trends monitoring, and stress testing.
• Prepare reports for the Maritime MFB Control and Risk Department, including: Monthly Group Credit Risk Report Other credit risk related reports for Maritime Microfinance Bank Limited
• Share credit risk trends, patterns, and stress testing results with the top management team
• Coordinate the Monthly Management Risk Committee meetings. This involves taking full ownership of all reports and materials required at the Management Risk Committee; by preparing, updating the MRC presentation, and liaising and supporting other units/department to update their contribution to the presentation.
• Provides technical assistance to the Business Development manager and Head Office Managers with regards to insights on credit risk modelling and preparation of the financial report.
• Perform other related duties as required.

Qualifications and Skills / Experience

• Minimum of HND or Degree in Finance, Accounting, Economics, Business Administration etc. from a reputable University or Polytechnic.
• Minimum of 2-3 years working experience in Credit, Loan and Asset Recovery
• At least two-year experience in banking-related activities.
• Good years of experience with business analytics, report creation, data validation, and report validation.
• Good communication (verbal and written) skills
• Proficiency with Excel (intermediate to advanced level) and PowerPoint.
• Strong analytical, technical, and problem-solving aptitude.
• Professional, ethical, and discretion when dealing with confidential information.
• Strong communication and interpersonal skills and presentation abilities.
• Committed, responsible, and able to work under pressure and limited time frames.
• Ability to carry out the work on an independent basis as well as in working groups and teams.
• Good planning and organizing skills.