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Credit Portfolio & File Audit: Conduct comprehensive and detailed audits of loan files (including SME, Micro, and individual loans) to ensure compliance with lending policies, underwriting standards, and regulations.
Technical Risk Assessment: Evaluate the technical risks within the credit cycle, including financial analysis reliability, collateral valuation, and the robustness of credit appraisal processes.
Pre & Post-Disbursement Review: Verify that all loan approvals, credit limits, and disbursement documentations (such as borrower identities, signatures, and approval forms) are 100% aligned and free of discrepancies before and after fund release.
Job Requirements
Educational Background: Bachelor’s degree in Business Administration, B.COM, Economics, or related fields. Professional diplomas/certifications in Financial Management or Credit Risk are highly preferred.
Experience: Minimum of [3 to 5 years] of solid experience in Credit Auditing, Credit Analysis, or Credit Risk Management within the MFI or financial services industry.
Other Conditions: Ability to travel to regional branches for credit field audits as required.
