Senior Risk Analyst - Casablanca
Company sector : Banking / Finance
COMPANY :
Acting in partnership with affiliated banks to provide them with its expertise and guarantee, Finéa, a subsidiary of the CDG group, is an establishment whose mission is to facilitate access for businesses, particularly SMEs, to financing and to public and/or private contracts.
To strengthen its involvement with SMEs and consolidate its position as a major player in Morocco's economic development, Finéa has adopted a development plan for 2013-2017 aimed at making its dual mission of financing SMEs more effective and thus becoming a benchmark in SME and public contract financing.
Finéa operates through 8 branches in cities across the kingdom: Casablanca, Rabat, Marrakech, Agadir, Fès, Tangier, and Oujda.
Job :
Reporting to the Head of the Credit Risk Department, your main responsibilities will be:
Processing and risk analysis of credit applications:
- Analyze credit applications by performing technical, financial, and economic analyses;
- Analyze guarantees and consult negative files: blacklist of clients, Credit Bureau to prevent any major risk;
- Verify the consistency between the financial data entered by the business manager and the physical documents;
- Enter counter-analysis elements for applications into the business information system;
- Rate clients using the dedicated system tools;
- Prepare credit decisions by issuing a justified and factual opinion;
- Issue minutes and credit decisions from various bodies;
- Circulate decisions for signature, ensure their distribution to the network, and their filing;
- Distribute credit decisions to the relevant departments;
- Review and challenge the financing plan (analyze repayment capacity and develop Stress Tests for the business plan).
Monitoring and prevention of risks:
- Analyze the credit risks of existing clients in the portfolio and monitor the evolution of risks related to outstanding loans granted;
- Analyze commitments (breakdown of commitments and payments received by market, guarantees by seniority, communication of market status to the commitment monitoring manager, etc.);
- Act as an interface with various administrations to obtain information on the nature and/or progress of a contract;
- Maintain the balance of authorized amounts;
- Develop and update risk-related indicators to prevent potential risks;
- Participate in the preparation of watch committees;
- Process derogation forms and maintain monthly follow-up;
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Monitor norms and procedures and ensure compliance.
Required profile :
Required technical skills:
• Master's degree (Bac+5) in Finance;
• Minimum of 3 years of experience in the banking sector (Risk Department/Commitments/Investment Financing);
• Knowledge of public procurement legislation is desirable;
• Knowledge of banking products and techniques for businesses (financial analysis, client risk rating techniques, etc.)
• Development and analysis of reporting;
• Filing, referencing, and archiving of documents;
Required behavioral skills:
• Rigor and organization;
• Initiative and synthesis skills.
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