Recruitment of Portfolio Risk Analyst At Concept Group, Lagos

Title: Portfolio Risk Analyst

Location: Lagos

Employment Type: Full-time

Scope and Impact

The Portfolio Risk Analyst examines and analyzes the mix of company loan product activities, with the purpose of making decisions that are expected to improve overall return.

He/she is primarily tasked with conducting detailed portfolio analysis and reports on loan and lease portfolio to anticipate, identify and mitigate credit risk exposure related to portfolio management activities in the organization.

He/she will be grossly responsible for offering risk management analysis on business portfolio and research into business expertise area.

Job Summary

The Portfolio Risk Analyst will determine risks and opportunities within credit portfolio processes and strategy, conduct risk analysis, track trends, understand risks associated with all product portfolios and create corresponding reports on projects, documenting same accordingly to present to senior management.

He/she is also responsible for overseeing the credit collection unit, ensuring that appropriate steps are taken to collects payments on debts, all payments data are well recorded and subsequently, using the generated data to the perform the necessary analysis and provide corresponding reports.

Duties & Responsibilities

Analyses transactional risk measures including defaults, 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 analytics of portfolio performance, emerging trends and areas of opportunity.

Prepares comprehensive report on all repossessed lease assets identifying principal outstanding, loan-assetvalue, 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.

Responsible for compiling and evaluating information needed to collect delinquent accounts, supervise field collections and perform other collection duties as required.