Key Responsibilities: Assess loan applications and determine the level of risk involved. Analyze client financial statements, cash flows, and repayment capacity. Evaluate and verify collateral/security provided (e.g., vehicle logbooks, assets). Determine appropriate loan amounts based on risk exposure and repayment ability. Provide recommendations to the Credit Committee regarding loan approvals or declines. Develop and implement risk assessment frameworks and credit policies. Monitor loan performance and repayment trends. Identify early warning signs of default and recommend corrective actions. Conduct periodic portfolio reviews and risk analysis. Detect and investigate fraudulent loan applications or suspicious transactions. Ensure proper documentation and compliance with internal and regulatory standards. Work closely with the collections team to manage delinquent accounts. Prepare risk reports for management and board review. Conduct branch audits to ensure adherence to credit policies. Train staff on risk management and fraud detection measures. Key Performance Indicators (KPIs): Portfolio at Risk (PAR) ratio. Default rate. Recovery rate. Fraud detection and prevention metrics. Compliance with risk policies. Minimum Qualifications & Experience: Bachelor’s Degree in Finance, Economics, Accounting, Business, or related field. Professional certification in Risk Management, CPA, ACCA, or related qualification is an added advantage. Minimum 3–5 years’ experience in credit analysis or risk management in microfinance or banking. Strong analytical and financial assessment skills. Experience in collateral verification and loan monitoring. Ability to detect fraudulent documentation and suspicious behavior.
