African Trade Insurance Agency Recruitment 2020

Job Description

Job Title: Credit Analyst

Main Functions and Responsibilities

Under the oversight of the Senior Credit Analyst and overall supervision of Chief Risk Officer, your functions and duties shall be as follows:

• For a given set of countries, analyse and monitor the general economic and political environment insofar it affects the creditworthiness of companies, including:

o Key sectors of the economy and their performance
o Quality and availability of information on companies
o The regulatory environment i.e. government regulations and policies towards commercial entities
o The legal environment i.e. security perfection, bankruptcy and legal ways for debt collection

• Undertake financial analysis of corporate customers using credit skills, ratio analysis; evaluation of parent support policies; judgement of management and strategy. In this respect, analyse historical and projected financial statements of potential and existing obligors, as well as potential and existing ATI insured’s; monitor receipt of quarterly/annual financial information and credit grading of accounts for annual review; monitor the quality of ATI’s credit exposure portfolio by ensuring that limits are consistent and respected, and to identify and signal early warning signs of credit deterioration
• Review and update (as may be required from time to time) the organisation’s credit information database and obligor underwriting system
• Evaluate and understand risks associated with individual applications for insurance, the underlying project, parent support policies, quality of management and strategy and recommend appropriate risk mitigation measures
• Ensure compliance with ATI’s policies, including the provisions of the operations manual and ensure that ATI’s policy breaches are properly authorised at the correct senior approving level
• Have contacts with key clients, banks and obligors in order to develop both general intelligence on a given sector or region and specific information about private obligors and public buyers
• Evaluate and document the soundness of the credit management policies of lenders and traders;
• Contribute to debt collection and risk mitigation actions
• Contribute to corporate communication exercises, workshops and conferences
• Travel on regular basis to meet information sources, clients, banks, buyers and other business partners
• Perform such other duties as may be assigned to you from time to time
• The position will be based in Kenya, with the possibility of relocation to another African country.

Qualification Required & Experience

• Strong credit experience, preferably with an African bank of credit institution
• Fluent in English and, preference will be given to candidates with additional fluency in French or Portuguese
• A minimum of 5 years banking and credit experience in one of the following regions: Francophone East, Central or West Africa
• Good personal network in that region (banking and corporate)
• Master’s Degree in Business/Economics, or equivalent through experience
• Excellent communication and presentation skills

Location: Ghana

Closing Date : 23 July, 2020