Portfolio Risk Analyst

The Concept Group - (See More Jobs)

November 16, 2018
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The Concept Group is recruiting for fulltime Portfolio Risk Analyst.

Job Details

The Concept Group is a holding company for companies established in 1992. Subsidiaries under the Group include: Rosabon Financial Services - Nigeria’s Leading Equipment Leasing and Financial Intermediary Company, Concept Nova - Bespoke Enterprise Software Development Company, Percy Aitkins - Bureau De Change.

We are recruiting to fill the position below:

Job Title: Portfolio Risk Analyst


Job Description

  • Conducts detailed portfolio analysis and reports. The analysis a report on loan and lease portfolio to anticipate, identify and mitigate credit risk exposure related to portfolio management activities.

Key Accountabilities

  • Analyses transactional risk measures including default, correlations and stress losses to enhance concentration risk views
  • Estimates the probability of defaults, loss given default in order to validate risk parameters (PD, LGD, EAD/CCF) calculated for internal credit risk management
  • Identifies adjustments required to risk parameters (PD, LGD, EAD/CCF) calculated for internal credit risk management
  • Analyses and monitors the company’s lease portfolio
  • Assessing all other credit risks and making recommendation
  • Periodically analyses quantitatively and qualitatively the loan portfolio of the company based on sector concentration, volume concentration,product concentration, etc.
  • Periodically performs default/principal at risk assessment, measuring the impact of guarantors/collaterals and impact of group loan on risk exposure
  • Monitors compliance to credit and risk policies of the company
  • Prepares report on loan and lease portfolio
  • Prepares report on analytics of portfolio performance, emerging trends and areas of opportunity
  • Prepares comprehensive report on all repossessed lease assets identifying principal outstanding, loan-asset value, number of rentals outstanding, date asset is expected to be disposed and estimation of depreciation in asset value
  • Mitigates credit risk exposure related to portfolio management activities
  • Prepares report on probability of default using information from direct debit, cheque lodgement report and returned cheque report
  • Suggests initiative to ensure consistency and compliance with credit policies and improve credit qualities
  • Proposes evolutions in the policy, process, procedure, methodology, collaterals related to the risk identified
  • Makes recommendations for process improvement, addressing gaps and areas for additional or improved reporting and data
  • Responsible for training the department on identified trends and recommendations


Job Requirements

Min Required Experience:

1 year(s)

Min Qualification:

Bachelor's Degree/HND

Desired Courses:

Not Specified

Other Requirements:

Skills & Knowledge

  • Ability to review, analyse and report credit and risk activities and data in a way that is easily understood to make better decisions.
  • Ability to handle and work efficiently with Microsoft Office Suite, Google Suite and other statistical and analytical softwares or application especially Microsoft Excel and Powerpoint.
  • Ability to present and communicate analysis and recommendations to business leaders by supported facts.
  • Knowledge of all practices and procedures involved in credit and risk management and how they can be implemented in a way that minimizes financial loss.
  • Ability to identify gaps within the credit policies.
  • Ability to anticipate and identify financial and economic trends as regards loan and lease portfolio.
  • Ability to understand business trends, situations, practices, procedures and models
  • Ability to function within defined guidelines and procedures to resolve routine issues
  • Ability to measure financial data to evaluate financial performance and position

Educational Qualification & Experience

  • B.Sc/M.Sc in Economics, Accounting, Finance, Statistics, Mathematics or any other relevant discipline.
  • At least 1-2 years of relevant experience

Application Closing Date
31st December, 2018.

How to Apply
Interested and qualified candidates should send their CV to email with job role as the email subject

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About The Concept Group

  • Type: Private
  • Headquarters: 32 Montgomery Road, Yaba, Lagos.

We are a holding company for three innovative and standard redefining subsidiaries: Rosabon Financial Services - Award winning bespoke finance company, Concept Nova - one of Nigeria's fastest-grow...Know More about The Concept Group

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