Job Description

Conducts detailed portfolio analysis and reports. The analysis a report on loan and lease portfolio to anticipate, identify and mitigate credit risk exposure related to portfolio management activities.

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Key Accountabilities

• Analyses transactional risk measures including default, correlations and stress losses to enhance concentration risk views
• Estimates the probability of defaults, loss given default in order to validate risk parameters (PD, LGD, EAD/CCF) calculated for internal credit risk management
• Identifies adjustments required to risk parameters (PD, LGD, EAD/CCF) calculated for internal credit risk management
• Analyses and monitors the company’s lease portfolio
• Assessing all other credit risks and making recommendation
• Periodically analyses quantitatively and qualitatively the loan portfolio of the company based on sector concentration, volume concentration,product concentration, etc.
• Periodically performs default/principal at risk assessment, measuring the impact of guarantors/collaterals and impact of group loan on risk exposure
• Monitors compliance to credit and risk policies of the company
• Prepares report on loan and lease portfolio
• Prepares report on analytics of portfolio performance, emerging trends and areas of opportunity
• Prepares comprehensive report on all repossessed lease assets identifying principal outstanding, loan-asset value, number of rentals outstanding, date asset is expected to be disposed and estimation of depreciation in asset value
• Mitigates credit risk exposure related to portfolio management activities
• Prepares report on probability of default using information from direct debit, cheque lodgement report and returned cheque report
• Suggests initiative to ensure consistency and compliance with credit policies and improve credit qualities
• Proposes evolutions in the policy, process, procedure, methodology, collaterals related to the risk identified
• Makes recommendations for process improvement, addressing gaps and areas for additional or improved reporting and data
• Responsible for training the department on identified trends and recommendations

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Skills & Knowledge

• Ability to review, analyse and report credit and risk activities and data in a way that is easily understood to make better decisions.
• Ability to handle and work efficiently with Microsoft Office Suite, Google Suite and other statistical and analytical softwares or application especially Microsoft Excel and Powerpoint.
• Ability to present and communicate analysis and recommendations to business leaders by supported facts.
• Knowledge of all practices and procedures involved in credit and risk management and how they can be implemented in a way that minimizes financial loss.
• Ability to identify gaps within the credit policies.
• Ability to anticipate and identify financial and economic trends as regards loan and lease portfolio.
• Ability to understand business trends, situations, practices, procedures and models
• Ability to function within defined guidelines and procedures to resolve routine issues
• Ability to measure financial data to evaluate financial performance and position

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Educational Qualification & Experience

• B.Sc/M.Sc in Economics, Accounting, Finance, Statistics, Mathematics or any other relevant discipline.
• At least 1-2 years of relevant experience

Application Closing Date

31st December, 2018.

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How to Apply

Interested and qualified candidates should send their CV to:
careers@conceptgroup-ng.com with job role as the email subject

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Parties stakeholders should carry out their activities

In his welcome speech, Project Coordinator, European Centre for Electoral Support (ECES), Mr. Rudolf Elbling, said political parties, which are primary stakeholders in the electoral process, should carry out their activities, especially in the areas of campaign finance and conduct of primaries, in a manner that implicates the transparency and integrity of the electoral system.

He noted that excessive and improper deployment of money compromised the freedom of people to exercise their choices in elections, stressing that the decision to put the workshop together was with the objectives of building the capacity of INEC staff to effectively monitor the campaign finances of political parties ahead of the 2019 election.

Elbling said the workshop was timely, adding, “This will also draw useful lessons from the recently conducted primaries of political parties.”

On his part, Resident Electoral Commissioner (REC), Cross River State, Frankland Briyai, said the workshop would address issues concerning political parties’ refusal to disclose their finances.

Briyai, who spoke through INEC Administrative Secretary, Mrs. Irene Okoma, said it had been a great challenge for the commission to monitor such processes and urged INEC staff to take advantage of the training.

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