Job Summary
The Credit Analyst will support Afreximbank’s credit assessments, financial analysis, and risk reviews to ensure the Bank’s exposure to credit risk is effectively managed. The role involves evaluating borrowers’ creditworthiness, reviewing financial statements, conducting country risk analyses, and preparing credit summary reports.
The ideal candidate should have strong analytical skills, credit assessment experience, and knowledge of financial risk analysis within the banking sector.
Key Responsibilities
Credit Review & Risk Assessment
- Conduct annual and ad hoc credit reviews of the Bank’s existing obligors and their credit facilities.
- Identify actual and potential credit weaknesses to recommend timely action for credit quality improvement.
- Prepare comprehensive credit summary reports, highlighting key risks and recommendations for exposure strategy and credit mitigation.
- Review transaction requests to confirm compliance with the Bank’s eligibility criteria.
- Conduct country risk credit reviews and credit grading for the Bank’s sovereign portfolio.
- Perform financial statement analysis, assessing credit requests and annual reviews.
Credit Intelligence & Sector Risk Reporting
- Generate credit intelligence reports to inform lending decisions and manage risk.
- Provide country risk review insights, banking sector risk analyses, and sector-specific credit risk assessments.
- Support the development of credit models and risk rating tools.
- Track borrowers’ compliance with financial covenants and other credit terms.
Transaction Monitoring & Compliance
- Ensure credit records are updated on Salesforce, reflecting actual transaction status.
- Conduct preliminary credit rating assessments using relevant rating models (Financial Institutions, Corporates, Project Finance, Structured Trade Finance).
- Liaise with the Compliance Department for KYC/CDD verification and obtaining regulatory reports.
- Prepare management reports on credit transactions for monthly reviews, Board updates, and strategy meetings.
Administrative & Support Functions
- Assist in arranging credit-related meetings, taking minutes, and preparing back-to-office reports.
- Support the tracking and reporting of Credit Assessment strategic objectives and initiatives.
- Assist in preparing periodic updates on transactions, risk exposure, and credit performance.
Regulatory Compliance & Risk Management
- Adhere to Afreximbank’s AML, Regulatory, and Conduct Compliance policies, including:
- Anti-Money Laundering (AML) & Counter-Terrorism Financing
- Conflicts of Interest Policies
- Anti-Bribery & Corruption (ABC) Guidelines
- Insider Trading & Market Conduct Rules
- Report any suspicious or non-compliant activities to the Compliance Department.
- Complete the Annual Compliance Training & Assessment.
Minimum Qualifications & Experience
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Education:
- Bachelor’s degree in Finance, Accounting, Economics, or a related field (minimum Second-Class Honors).
- MBA or relevant professional certification (CFA, ACCA, CPA) is an advantage.
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Experience:
- Minimum 1+ year of work experience in credit analysis, risk assessment, or financial analysis.
- Understanding of credit risk principles, financial statement analysis, and loan structuring.
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Technical Skills & Knowledge:
- Proficiency in Microsoft Excel, PowerPoint, and financial modeling.
- Strong expertise in financial risk assessment, credit intelligence, and risk modeling.
- Familiarity with rating models, KYC/CDD requirements, and compliance processes.
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Soft Skills:
- Excellent communication and presentation skills.
- Strong problem-solving and analytical abilities.
- High attention to detail and ability to manage multiple tasks.
- Ability to work in a fast-paced financial environment.
Application Process
Interested candidates should submit their CVs to Afreximbank@robertwalters.com with the job title “Credit Analyst, Anglophone West Africa” clearly stated in the email subject line for proper consideration.
This structured format ensures clarity and engagement for potential ca