Fondation Arrawaj features a culture primarily shaped by innovation, promoting creativity, agility and experimentation to drive impact and transformation. This orientation is strengthened by a competitive dimension, reflecting a strong focus on performance and results. Collaboration and organizational structure further contribute to the overall balance by supporting teamwork, accountability and structured ways of working. The environment appeals to autonomous, committed profiles who thrive in dynamic and evolving contexts. [+]

Job Missions: 

- The VSE analyst examines in detail the loan analysis and documentation to provide an opinion on the completeness of the file, and the quality and reliability of the data.
- Ensure the balance between the commercial drive of the branches and the requirements for a good risk analysis of a loan. Eliminate bias from a field agent by analyzing the consistency of the information provided (while considering the difficulties of collecting quality documents).

Main Activities:

1. Verification and analysis of credit files:  

• Ensure the completeness, consistency, and quality of credit analyses within deadlines.


• Verify the conformity of entered information (templates, system, client documents) and its consistency with financial results.


• Analyze financial statements (balance sheet, cash flow, CDR, formal and informal account statements).


• Evaluate the market and activity sector situation of the client.


• Identify, analyze, and assess loan-related risks.


• Responsible for verifying VSE loan files.

2. Ensuring file completeness before committee review:

• Verify the existence, validity, and authenticity of required legal and administrative documents.


• Check the coverage and relevance of guarantees.


• Formalize verifications using a checklist and report missing documents to the committee.

3. Portfolio monitoring and quality:

• Monitor portfolio quality and identify risks and areas for improvement.


• Ensure the balance between in-depth analysis, cost control, and commercial opportunities.

4. Benchmarking and evaluation:

• Contribute to the creation and updating of sectoral benchmarks (margins, stock turnover, expenses by activity, region, or cohort).


• Evaluate guarantees by monitoring market prices (vehicles, machinery, land, premises, etc.).


• Indicate whether guarantees are undervalued or overvalued based on reliable benchmarks.

5. Training and continuous improvement:  

• Actively participate in internal training and apply learned skills in daily practices.


• Contribute to the continuous improvement of risk analysis tools and methods.

Education:

• Bachelor's degree (Bac + 3) minimum in management, economics, or finance

Experience:

• 2 years in the service sector (banking/insurance), preferably in microfinance, with field experience to understand the entrepreneurial realities of the VSE segment

 Business / Technical Expertise:  

• Basic knowledge in Management and notions in accounting and finance


• Financial Analysis Skills: financial analysis of a loan and risk assessment (creation of client business plans)


• Knowledge of necessary documents for different types of businesses

Organizational and Management Skills:

• Oral communication, communication skills, Arabic and French reading and writing


• Proficiency in office software


• Proficiency in the operating modes of the IS used


• Time Management: organization and rigor in managing priorities and different tasks of the CP (administrative, commercial, etc.)


• Attention to detail

Behavioral Skills:  

• Good interpersonal communication: Clarity, assertiveness


• Emotional intelligence: listening, stress management, conflict management


• Client focus: listening, interpersonal skills, empathy, team spirit, and coordination


• Responsibility and autonomy: sense of responsibility, initiative-taking, perseverance, and taste for challenge


• Stress resistance


• Agility and adaptation: flexibility, ability to adapt to different situations


• Availability and geographical mobility


• Social engagement


• Integrity and ethics