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Snap Plaza 8th floor, Bole Next to The Millennium hall. Addis Ababa, Ethiopia
Job Description:
About the Organization:

VisionFund 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. VisionFund is currently operating in five of the Regional States of the country. VisionFund MFI is currently looking candidates for Credit Analyst Role for South 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 supervisor. He/she also coordinates operational activities related to loan disbursement and repayment of the Company.

2. Specific Duties and Responsibilities:

• Supports and advices Area 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 Area Offices for proper data capturing procedure and reports any deviation of report from the intended one to the Team Leader;
• Collects monthly and timely status report from the Area Offices and responsible to produce performance reports coordinating the data capturing team in a way suitable for users including the National Bank of Ethiopia;
• Reviews the performances of each branch against the annual target, communicates the Area offices for any clarification of variances on performance against the plan and submits written status and progress report to the supervisor;
• Responsible to follow the performances of low performing branches as well as loan programs that will be undertaken in collaboration with stakeholders and donors in the district;
• Strictly follows and reports the status of past due and delinquent loans to the Team Leader 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 supervisor 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 district;
• 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 Supervisor;
• 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 supervisor;
• 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 boss 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:
• BA Degree in Banking and Finance, Accounting or equivalent or related. 
• A minimum of 5 years of relevant experience. 
• 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. 

Terms of Employment: Permanent
Salary: As per the Institution salary scale
Closing date: December 2, 2022

Job Category:
Accounting and FinanceBanking and InsuranceManagement
Accounting and Finance, Banking and Insurance, Management
Full time
Full time
Hawasa, Sidama
VisionFund Micro-Finance Institution S.C VisionFund Micro-Finance Institution S.C

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