Area Credit Analyst

IMMEDIATE INTERNAL/EXTERNAL ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? VACANCY ANNOUNCEMENT? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?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; ?? R