Credit Analyst at Africa Trade Insurance Agency

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Credit Analyst

Main Functions and Responsibilities

Under the oversight of the Senior Credit Analyst and overall supervision of the Chief Risk Officer, your functions and duties shall be as follows:
For a given set of countries, analyze and monitor the general economic and political
environment insofar it affects the creditworthiness of companies, including:
Key sectors of the economy and their performance
Quality and availability of information on companies
The regulatory environment i.e. government regulations and policies towards
commercial entities
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; judgment of management and strategy. In this respect, analyze 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 organization’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 authorized 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

Qualifications & Attributes
Strong credit experience, preferably with an African bank of a credit institution
Fluent in English and, preference will be given to candidates with additional fluency in
French or Portuguese
A minimum of 5 years of 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


How to Apply
Please submit the following to [email protected]
1. An Application Letter (cover letter)
2. CV (to include details of your current remuneration package and details of three referees)
3.
Personal History Form

DEADLINE: Saturday, July 11th 2020

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