Africa Golden Bank Senior Credit Analyst for its seat of Douala-Bonanjoin the context of an open-ended contract. The post is under the reporting responsibility of the Chief Engagement Department. Only one position is to be filled.
Main duties
The position ensures the analysis, evaluation and structuring of funding requests, mainly for Corporate & Institution clients. It ensures the control of risks, the quality of analyses as well as strict compliance with internal procedures and regulations in force.
His responsibilities include analyzing credit applications and assessing client repayment capacity, conducting financial, economic and sector analyses, and assessing counterparty, transaction and group risks. It proposes the structuring and appropriate conditions of financing, analyses the quality and coverage of guarantees, prepares credit notes and formulates a reasoned opinion for the attention of decision-making bodies.
He also reviews complex files and provides a second look at the analyses. It participates in the monitoring and supervision of the credit portfolio, identifies early signals of deterioration of counterparties and contributes to the monitoring of commitments, covenants, unpaid and restructuring.
In addition, it monitors the evolution of the regulations applicable to credit activity, participates in the improvement of credit procedures and tools, and technically accompanies and supervises less experienced analysts.
Candidate profile
The candidate must hold a Baccalaureate training+4/5 in Banking, Finance, Accounting, Management, Economics or an equivalent field. He has a minimum of 5 years of experience in credit analysis, ideally in the banking sector, with proven experience in business credit analysis. He is proficient in financial analysis and financing structuring and has a good knowledge of the Cameroonian economic and banking environment.
In terms of key competencies, the position requires excellent financial analysis and risk management skills, strong critical analysis and synthesis skills, proficiency in banking regulation and a good knowledge of credit products. Excellent writing skills are expected, as well as rigour, integrity and a high sense of risk. The candidate must be able to defend a recommendation before a Credit Committee and supervise and accompany junior profiles.
The performance criteria cover the quality and relevance of credit analyses, compliance with processing deadlines, the level of regulatory compliance of files, the relevance of recommendations and mitigation measures, as well as the quality of portfolio risk monitoring.
On the interpersonal and leadership side, the candidate must be rigorous and have a sense of detail, show a strong capacity for organization and planning, pedagogy and ability to interact with various interlocutors. He must be a force of proposition, animated by a spirit of continuous improvement, and endowed with a good ability to listen.
Education and experience
Level of experience: Senior. Years of professional experience: between 5 and 8 years. Minimum level of study: Master.
Application file
Applications must include a cover letter and curriculum vitae.
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