Credit Risk Analyst - Casablanca
Company sector : Banking / Finance
COMPANY :
Finéa, a subsidiary of the CDG Group, aims to make it easier for businesses, especially SMEs, to access financing through its financing, co-financing, and refinancing activities. It acts as an establishment that complements the banking sector and aims to be the reference co-financier for SMEs and VSEs in service of Morocco's economic development.
Finéa's head office is based in Casablanca, and it operates through 8 branches in cities across the kingdom: Casa Nord, Casa Sud, Rabat, Tangier, Fez, Marrakech, Agadir, and Oujda.
Job :
Reporting to the Head of the Credit Risk Department, your main tasks will include:
• Processing and analyzing credit applications for risk
• Verifying the completeness of credit applications by checking the list of required documents for credit processing
• Analyzing credit applications by conducting technical, financial, and economic analyses
• Analyzing guarantees and consulting negative files: blacklist of principals, Credit Bureau... to prevent any major risk
• If necessary, requesting additional information from other internal departments (Legal, Operations, Network...)
• Verifying the consistency between the financial data entered by the account manager and the physical documents;
• Entering counter-analysis elements of the applications into the business IT system
• Rating clients using dedicated system tools
• Preparing credit decisions by issuing a justified and factual opinion
• Editing minutes and credit decisions from various committees
• Circulating decisions for signature, ensuring their distribution to the network, and filing them
• Distributing credit decisions to the relevant departments
• Monitoring and preventing risks
• Analyzing credit risks of clients in the portfolio and monitoring the evolution of risks related to outstanding credits granted
• Analyzing commitments (breakdown of commitments and payments received by market, surety by seniority, communication of market status to the commitment monitoring manager...)
• Liaising with various administrations to obtain information on the nature and/or progress of a market
• Maintaining the balance of authorizations granted
• Developing and updating risk-related indicators to prevent potential risks.
• Participating in the preparation of watch committees
• Processing derogation forms and maintaining monthly follow-up
• Monitoring norms and procedures and ensuring their compliance
Required profile :
• Master's degree (Bac+5) in Finance;
• Less than one year of experience in the banking sector;
• Knowledge of financial analysis;
• Rigor and organization;
• Initiative and synthesis skills.
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