Credit Risk Analyst

Credit Risk Analyst, you will be responsible for evaluating and managing credit risks and ensuring compliance with regulatory requirements. The ideal candidate will have a deep understanding of credit risk management principles, experience in the company market, and strong analytical skills. This role requires an individual with excellent decision-making abilities, the ability to work well under pressure, and the confidence to collaborate with diverse teams and stakeholders.

Responsibilities
Assess and evaluate the creditworthiness of clients and borrowers within the African market, ensuring adherence to credit risk policies and guidelines.
Conduct comprehensive credit risk analysis and due diligence on potential borrowers, utilizing financial models and industry-specific risk assessment tools.
Monitor and continuously assess credit risk exposure across the portfolio, analysing trends and identifying potential risks or areas for improvement.
Collaborate with various internal teams, including underwriters, finance, and legal, to streamline credit risk processes and ensure consistent decision-making.
Review and analyse credit documentation, loan agreements, and collateral requirements, ensuring compliance with internal policies and external regulatory guidelines.
Establish and maintain effective relationships with external stakeholders, including credit rating agencies, banks, regulatory bodies, and other financial institutions.
Provide guidance and training to teams involved in credit risk activities, ensuring a thorough understanding of credit risk management principles and best practices.
Monitor and provide regular reports on credit risk metrics, key performance indicators, and portfolio trends to senior management and relevant stakeholders.
Stay updated on industry trends, market conditions, and regulatory changes in the African market, enabling proactive risk mitigation strategies and adjustments to credit policies.
Support continuous process improvements across finance reporting, working capital, and performance management
Support the preparation of budgets, forecasts, and rolling outlooks, including variance and assumption analysis
Support cash flow forecasting, monitoring, and analysis across the business
Ensure compliance with finance policies and controls, supporting audits, systems enhancements, and data quality initiatives