Detailed Job Description:
Under the oversight of the Senior Credit analyst and the Chief Underwriting Officer, your duties and responsibilities shall be as follows:
General Responsibility:
Your overall responsibility is to support the underwriters in making prudent and profitable decisions on a wide range of policies. For a given set of countries, analyze and monitor the general economic and political environment insofar it affects the creditworthiness of companies, including:
Availability of information on companies
Bankruptcy laws and legal ways for debt collection
The performance of the most important sectors
Specific Tasks:
Undertake financial analysis of corporate customers using exceptional knowledge of financial analysis that includes the ability to assess historical financial performance, cash flow projections, management, industry and competitive analysis. In this respect, analyse the financial condition of potential and existing obligors, as well as potential and existing ATI insured’s; monitor receipt of quarterly/annual financial information and credit grading of accounts for annual review; monitor the quality of ATI’s credit exposure portfolio by ensuring that limits are consistent and respected, and to identify and signal early warning signs of credit deterioration.
Review and update (as may be required from time to time) the Agency ‘s credit information database and obligor underwriting system.
Evaluate and understand risks associated with individual applications for insurance, the underlying project, parent support policies, quality of management and strategy and recommend appropriate risk mitigation measures.
Ensure compliance with ATI’s policies, including the provisions of the Operations Manuals and ensure that ATI’s policy breaches are properly authorised at the correct senior approving level
Have contacts with key clients, banks and obligors in order to develop both general intelligence on a given sector or region and specific information about private obligors and public buyers
Perform reviews of the credit management of clients and buyers and advise on improvements
Contribute to debt collection and risk mitigation actions
Contribute to corporate communication exercises, workshops and conferences
Profile:
Strong credit experience, preferably with an African bank or credit institution
Financial /risk analytical skills specifically around company financials and complex financing structures
Native French speaking, at least operational English, Portuguese is a plus
5 years credit experience in a francophone West and Central African country
Extensive personal network in West and Central Africa (banking and corporate)
Bachelor’s Degree in Finance, Economics, or Banking
Master Degree in Economics or Finance or Equivalent is preferable
Proficiency in Microsoft Office suite and Excel skills, including basic formulas, pivot tables and graphs
Excellent communication ( i.e. written, verbal and presentation skills) and relationship building skills
A tax free salary and other benefits apply. The salary is negotiable depending upon professional qualifications, family situation, and the responsibilities of the position and the experience of the candidate.
How to Apply:
Please submit an application letter, Personal History Form (this may be downloaded here),CV, details of your current remuneration package and three references to recruitment@ati-aca.org
The closing date for application is 29th April 2015 at 12 Midnight Nairobi time
Only candidates meeting the minimum requirements included in the detailed Job-descriptions and submitting applications in compliance with point 1-3 above will be considered for these positions, and only short-listed candidates will be contacted.
ATI reserves the right to not make an appointment to the above vacancy, to make an appointment at a slightly higher or lower grade, or to make an appointment with a modified job description.