Credit Risk Supervisor at County Finance Limited Full Time

County Finance Limited is currently seeking for application from qualified applicants to fill the vacant position of Credit Risk Supervisor. interested and qualified applicants can apply via the details below

County Finance Limited is a financial company that principally engages in the provision of financial products and services to the public. County Finance Limited is authorized and licensed by the Central Bank of Nigeria (CBN) to conduct financial service activities.

We are seeking a skilled, reliable, efficient employee to join our growing organization in the capacity below:

Job Title: Credit Risk Supervisor

Location: Ikeja, Lagos
Employment Type: Full-time

Major Responsibilities

• This role will report to the Head of Credit and will be working with the credit department to analyze, assess, and evaluate the creditworthiness of a business, organization, or an individual credit application and responsible for the recovery of overdue payments from customers.

Role and Responsibilities

• Evaluate customers’ loan applications in line with the organization’s credit policy.
• Identify critical risks in credit requests and provide advisory on how requests can be restructured in line with the company’s risk appetite.
• Portfolio management & reporting.
• Evaluate clients for creditworthiness based on our internal risk models & their application information.
• Detect fraudulent applications and unreliable applicants.
• Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts.
• Continuously ensure alignment/compliance to the credit risk management framework.
• Continuously analyze and recommend improvement on credit risk management framework, processes and systems.
• Preparation of statutory reports.
• Assist in the development of risk policies, procedures, and standards
• Portfolio management & reporting (weekly, monthly, Quarterly) including ensuring timely repayment and pursuing recovery of all non-performing loans.
• Report daily, weekly and monthly progress against targets to Management.
• Create innovative credit evaluation processes and systems and propose new techniques for risk analysis and management
• Continuously ensure alignment/compliance to the credit risk management framework.
• Continuously analyze and recommend improvement on credit risk management framework, processes, and systems.
• Collaborate efficiently with business heads to complete risk assessments
• Mentor junior colleagues within the department
• Stay up to date on industry best practices for Risk Management
• Make outbound collection calls to defaulting customers.
• Maintain appropriate and comprehensive records of all customer discussions as it relates to debt recovery.
• Participate in the weekly credit review committee meeting.
• Review, process and reconcile accounts of indebted customers, to ensure amicable resolution & payment of agreed sum.

Qualifications / Requirements

• A First Degree in Economics, Finance, Accounting or any other related discipline, a Master’s Degree is an added advantage.
• 2-3 years’ relevant experience in the Financial Services Industry.
• Good knowledge of accounting and relevant lending ratios.
• Experience in Credit Risk Management
• Data Analytics and Effective communication
• Good Knowledge of Credit Analysis and Appraisal
• Experience in SME
• Excellent reporting skills.

Skills and Competencies:

• Knowledge of proper and ethical debt collection techniques
• Highly experience in digital lending space
• Ability to quickly build a picture of a customer’s personal circumstances and needs.
• Strong negotiating, counseling and problem-solving skills.
• Working knowledge of Microsoft Office Suites Word, Excel and Access.
• Ability to maintain high level of confidentiality.
• Able to work well as part of a team and on own initiative.
• Excellent listening ability and superb questioning techniques.
• Customer relationship management skills.
• Ability to work with little or no supervision.
• Problem Solving, Critical reasoning, detail-oriented.
• Excellent verbal, presentation and writing skills.

Salary
N100,000 – N150,000 monthly.

Application Closing Date
30th April, 2022.

Method of Application
Interested and qualified candidates should forward their CV to: [email protected] with “Credit Risk Supervisor” as the subject of the email.

Note: Only shortlisted candidates will be contacted.