Position Available: CREDIT RISK ANALYST
JOB MISSION To participate in managing credit risks related to financing requested by the Bank’s clients, in compliance with legal obligations and the Bank’s interests.
JOB ACTIVITIES • Conduct counter-analyses of credit files according to the current delegated procedure; • Analyze clients’ credit risks and quantify credit risk (rating methods, scoring, etc.); • Rate companies using the group’s rating tool; • Present the counter-analysis of files to the bank’s lending committee; • Verify the completeness of the client’s regulatory file or credit file presented to the lending committee, respecting the counter-analysis deadlines: Format credit files under Group delegation and respond to requests for additional information; • Analyze the sectoral and competitive context, and companies’ financial data using balance sheets and income statements; • Research all information likely to shed light on the potential risk taken by the institution; • Monitor compliance with applicable limits (counterparty, sectoral, etc.); • Verify the completeness of files submitted to the bank’s lending committee; • Conduct credit counter-analyses based on analyses performed by the commercial line and issue opinions on the validity of the arrangements and guarantees.
CANDIDATE PROFILE: Higher education diploma (minimum Bachelor’s +4) or banking diploma (ITB); A minimum of 3 years’ experience in the Lending department would be an asset. Knowledge Knowledge of financial analysis techniques, financial ratios, and intermediate management balances (IMB); • General knowledge of banking activity, structures and processing circuits, procedures, and regulations; • Knowledge of bank accounting, standards, and procedures relating to banking operations; • Knowledge of the range of products and services offered to customers; • Knowledge of loan application preparation and mastery of the loan processing procedure; • Proficiency in computer skills (office software, bank software). Skills : • Ability to analyze a balance sheet and income statement; • Ability to conduct sector studies and analyze financing needs;
• Ability to present and defend a position on a matter (committees, senior decision-maker, network);
• Ability to research information and update knowledge.
Soft skills:
• Rigor and organization, availability and ability to manage pressure;
• Ability to work in a team;
• Sense of confidentiality.
Application deadline: Wednesday, November 12th at 4:30 PM.
Channel: by email to recrutement@bicec.com with the subject line “APPLICATION FOR CREDIT RISK ANALYST”.
Only shortlisted candidates will be contacted for the next stage of the recruitment process.
If you do not hear from us within thirty (30) days of the application submission date, please consider your application unsuccessful
