Credit Analyst at Root Capital

Job Description (adsbygoogle = window.adsbygoogle || []).push({}); Root Capital is an agricultural impact investor that grows rural prosperity in poor, environmentally vulnerable places in Africa and Latin America by lending capital, delivering financial training, and strengthening market connections for small and growing agricultural businesses. Responsibilities:Credit Analysis (60%) Support the Portfolio Manager to collect, verify and analyze information for potential or actual credits in priority areas, mainly in sustainable agriculture. Prepare along with the Portfolio Manager, the credit proposals/memos, for presentation and consideration by the credit committee. Deliver additional reports, regarding operations as required by Portfolio Manager. Support the execution of “due diligence” of businesses in every stage of the loan’s application, to ensure well-informed decision-making and qualification of the risk involved. Collaborate with designated team members in the organization to negotiate structure and legally document the loan documents. Support the closing process of each approved credit. Identifying the key financial and non-financial risks, recommending actions for mitigation of credit and enterprise risks. Critically analyze the financial statements and apply financial, commercial, environmental and social criteria to the actual and considered credits, providing recommendation for payment and monitoring the repayment of the loans disbursed. Manage an in-house credit cycle from evaluation, administration and collections to ensure efficiency, security, AML checks, and fraud control throughout the entire cycle. Monitoring (40%) Maintain relations with the client, as necessary and continuous monitoring of the activities for the approved credits, according to the procedures established by Root Capital. Collaborate with the Portfolio Manager to review and update the qualification of risk during the analysis of the credit proposal and the duration of the loan upon disbursement. Analyze periodic monitoring reports from designated clients, third party monitors and discuss with the Risk Manager. Ensure client covenant compliance in line with loan agreement/approved terms and conditions. Complete periodic Risk Rating Engine reports in Salesforce for designated clients under the guidance of the Regional Risk Manager. Communicate to other lenders and borrowers on their portfolio performance on a monthly basis. Ensure compliance of company processes in line with set policies and standards locally and globally. Perform other relevant duties as assigned. Required Skills and Experience: University degree preferably in Accounting, Finance or Business Management Experience in SME financial and credit analysis minimum of 5 years. Ability to understand and learn the organization’s credit policies and credit analysis requirement. Strong experience with Microsoft Word and Excel is necessary. Additional knowledge on financial software is a plus. Ability to handle confidential information about the transactions and business activities of Root Capital and our clients. Strong interest in the field of social impact investing. Willingness to travel to rural areas of East Africa. Excellent interpersonal skills and ability to work with a variety of stakeholders across multiple geographies. Excellent written and verbal communication skills in English required. Excellent attention to detail. Proactive, service-oriented attitude. Strong attitude towards compliance. Authorized to work in Kenya. Commitment to Root Capital’s mission of growing prosperity in rural communities in Africa.