Credit Analyst at Africa Trade Insurance Agency

 For a given set of countries, analyse and monitor the general economic and political environment insofar it affects the creditworthiness of companies, including:

•  Key sectors of the economy and their performance
• Quality and availability of information on companies
• The regulatory environment i.e. government regulations and policies towards commercial entities
• The legal environment i.e. security perfection, bankruptcy and legal ways for debt collection
•  Undertake financial analysis of corporate customers using credit skills, ratio analysis; evaluation of parent support policies; judgement of management and strategy. In this respect, analyse historical and projected financial statements 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 organisation’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 manual 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
•  Evaluate and document the soundness of the credit management policies of lenders and traders;
•  Contribute to debt collection and risk mitigation actions
•  Contribute to corporate communication exercises, workshops and conferences
•  Travel on regular basis to meet information sources, clients, banks, buyers and other business partners
•  Perform such other duties as may be assigned to you from time to time
•  The position will be based in Kenya, with the possibility of relocation to another African country.

Qualification Required & Experience

•  Strong credit experience, preferably with an African bank of credit institution
•  Fluent in English and, preference will be given to candidates with additional fluency in French or Portuguese
•  A minimum of 5 years banking and credit experience in one of the following regions: Francophone East, Central or West Africa
•  Good personal network in that region (banking and corporate)
•  Master’s Degree in Business/Economics, or equivalent through experience
•  Excellent communication and presentation skills