A reputable non-bank financial institution based in Accra, with a vast network across the country, is seeking a Credit Risk Analyst to join its dynamic team. This is an excellent opportunity for professionals with a strong background in finance, accounting, and banking to contribute to a fast-paced and growing organization.

Job Summary

The Credit Risk Analyst (CRA) will be responsible for analyzing loan applicants’ data, evaluating risks, and facilitating assessments via digital platforms such as WhatsApp and Zoom. The CRA will report directly to the Credit Risk Manager and the Head of Credit Monitoring and Evaluation.

Key Responsibilities

• Risk Evaluation and Analysis: Analyze financial data and assess the creditworthiness of loan applicants.
• Communication and Facilitation: Coordinate assessments and correspondence between sales executives and clients.
• Portfolio Monitoring: Oversee credit research initiatives to identify non-performing loans and alert management.
• Process Optimization: Improve credit processes to optimize results and ensure compliance with credit policies.
• Reporting: Prepare weekly, monthly, quarterly, and annual credit review reports for management.
• File Management: Ensure proper documentation and organization of soft and hard copy records.
• Compliance Checks: Conduct random credit checks and monitor portfolios to ensure compliance.
• Additional Duties: Perform any other tasks as required by management.

Qualifications and Experience

• Education: Minimum of a Bachelor’s Degree in Finance, Accounting, or Banking.
• Work Experience: At least 3 years of experience in a similar role.
• Technical Skills: Proficiency in Microsoft Word, PowerPoint, and Excel.
• Multitasking Ability: Ability to handle multiple tasks efficiently.

Key Skills Required

• Customer Service: Ability to address client needs effectively.
• Analytical Skills: Strong problem-solving and risk-assessment capabilities.
• Tech-Savvy: Comfortable with video conferencing tools like Zoom and WhatsApp.
• Decision Making: Independent

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  and confident decision-making abilities.
• Confidentiality: Ability to handle sensitive information responsibly.
• Time Management: Excellent organizational and time management skills.
• Communication: Strong verbal and written communication skills.

Location

• Accra, Ghana

How to Apply

Interested candidates are encouraged to send their CVs to:

Email: hr@billsmicrocredit.com

Closing Date: January 10, 2025

FAQs

1. What is the primary role of the Credit Risk Analyst?
The CRA evaluates loan applicants’ financial data, assesses risks, and provides recommendations based on their analysis.

2. Is prior experience mandatory?
Yes, candidates must have at least 3 years of relevant experience in credit risk analysis.

3. What tools should applicants be familiar with?
Applicants should be proficient in Microsoft Word, PowerPoint, Excel, and video conferencing tools like Zoom and WhatsApp.

4. When is the application deadline?
Applications must be submitted by January 10, 2025.