About the Organization: 

Vision Fund Micro Finance Institution (S.C) is an Institution established according to proclamation No. 40/96 to provide financial services to the productive poor in the rural and urban areas of Ethiopia. Vision Fund is currently operating in five of the Regional States of the country.

Vision Fund MFI is currently looking for candidates for Area Credit Analyst Role at  West Area Office /North West Area Office. The successful candidates will have skills and experience that meet the following requirements:

1.   JOB SUMMARY

The Credit Analyst is responsible for data collection, assessment of performance of Area and Branch Offices and prepares performance reports; follows up low performing Branches and gives feedback the supervisors. He/she also coordinates operational activities related to loan disbursement and repayment of the Company.

 1.   SPECIFIC DUTIES AND RESPPONSIBILITIES

§  Supports and advices Branch Office staff in all areas of the core process data capturing tasks and other activities that need support of the Department;

§  Supports and guides the Branch Offices for proper data capturing procedure and reports any deviation of report from the intended one to the Area Manager

§  Collects monthly and timely status report from the Branch Offices and responsible to produce performance reports coordinating the data capturing team in a way suitable for users;

§  Reviews the performances of each branch against the annual target, communicates the Branch offices for any clarification of variances on performance against the plan and submits written status and progress report to the supervisors;

§  Responsible to follow the performances of low performing branches as well as loan programs.

§  Strictly follows and reports the status of past due and delinquent loans to the Supervisors and follows the implementation of the actions to be taken to recover the loan;

§  Ensures the accuracy of performance reports and checks the accuracy of the report with the Area financial reports and reconciles the two reports whenever there is a difference;

§  Regularly follows collection plan and performances and insuring timely utilization of funds;

§  Communicates and provides input to the supervisors in making decision about the transfer of idle fund to branches;

§  Facilitates the fulfillment of operational formats of the branches and request for printing based on the required volume of the branches in the Area;

§  Identifies possible credit risks through analysis of clients business, field supervision, referring loan repayments and predictions from informal reports; closely follows up the performance of credit: Disbursement progress; repayment progress of fresh loan; repayment progress of loan in arrears;

§  Identifies threats and opportunities of credit operation in the fiscal year under probe and reports to the Supervisors;

§  Reviews the reports of branches periodically to identify the irregularities that might occur and forwards the scrutinized challenges with the most likely solutions to the supervisors;

§  Maintains an adequate database on credit and all other relevant information;

§  Reports any problem, which cannot be solved at his/her capacity to his /her immediate Supervisors for remedial action;

§  Carries out performance analysis using various tools;

§  Takes part on the study of new branch offices to be opened in the fiscal year;

§  Prepares the yearly operational formats requirements timely;

§  Produces timely reports on credit operation on daily, weekly, monthly and quarterly basis;

§  Performs other duties as may be given by the Supervisor.

Job Requirements

2.   Qualification and Technical Skill Required

    A) EDUCATION/TRAINING

• BA Degree in Banking and Finance, Accounting or related field.

     B) EXPERIENCE:

§  A minimum of 4 years relevant work experience.

C) TECHNICAL AND OTHER SKILLS

§  Good teamwork;

§  Demonstrated technical ability to interact and work effectively with others at all levels;

§  Basic computer skills and excellent written and oral communication skills;

§  Self-starter and perseverance in character;

§  Be proficient in Microsoft with excellent excel spreadsheet skills;

§  Very good communicator.

How to Apply

Candidates who fulfill the requirements can send their application, curriculum vitae, names and addresses of up to three references and non-returnable copies of credentials to: VFE_vacancy@wvi.org.

Note:- 1. Mention The Specific Place you are Applying For!

2. Only short listed candidates will be contacted for subsequent assessment