Senior Risk Analyst - Casablanca

Company :

Acting as a complement and in partnership with approved banks to bring its expertise and guarantee, Finéa, a subsidiary of the CDG group, is an establishment whose mission and purpose is to facilitate access for companies, particularly SMEs, to financing and public or private procurement.

In order to strengthen its involvement with SMEs and consolidate its position as a major player acting for the economic development of Morocco, Finéa is adopting a 2013-2017 development plan aimed at bringing more focus to its dual mission of financing SMEs and thus becoming a benchmark in the financing of SMEs and public procurement.

Finéa operates through the presence of 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 files:

• Analyze credit files by performing technical, financial, and economic analyses;
• Ensure the analysis of guarantees and consultation of negative files: blacklist of principals, Credit bureau to prevent any major risk;
• Verify the consistency between the financial data entered by the business manager and the physical documents;
• Ensure the entry of counter-analysis elements of the files into the business IT system;
• Establish customer ratings using dedicated system tools;
• Ensure the preparation of credit decisions by issuing a justified and factual opinion;
• Issue minutes and credit decisions of the various committees;
• Circulate decisions for signature, ensure their distribution to the network, and their filing;
• Ensure the distribution of credit decisions to the relevant departments;
• Review and challenge the financing plan (analysis of repayment capacity and development of business plan stress tests).

Monitoring and risk prevention:

• Analyze the credit risks of clients in the portfolio and monitor the evolution of the risk related to the outstanding credits granted;
• Ensure the analysis of commitments (breakdown of commitments and payments received by market, guarantees by seniority, communication of market status to the commitment monitoring manager...);
• Serve as the interface with various administrations to obtain information on the nature and/or progress of a contract;
• Maintain the balance of authorizations granted;
• Develop and update risk-related indicators to prevent potential risks;
• Participate in the preparation of watch committees;
• Process derogation forms and establish monthly follow-up;
• Monitor standards 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 products and banking operational techniques for businesses (financial analysis, customer risk rating techniques; ...)
• Development and analysis of reporting;
• Filing, referencing, and archiving of documents;

Required behavioral skills:

• Rigor and organization;
• Initiative and synthesis skills.
 

Head office address :

Desired personality traits :

Respect of the rules Will to persuade Ambition Conventional Flexibility Need for autonomy Involvement at work Organization