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 micro-business analyst thoroughly examines the loan analysis and documentation to provide an opinion on the completeness of the file, the quality, and the reliability of the data.
- Ensure the balance between the commercial drive of the branches and the requirements for 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 the entered information (template, system, client documents) and its consistency with financial results.


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


• Evaluate the market and the client's business sector situation.


• Identify, analyze, and assess the risks related to the loan.


• Responsible for verifying micro-business loan files.

2. Ensuring file completeness before the committee:

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


• Check the coverage and relevance of guarantees.


• Formalize verifications via 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 sector 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 acquired knowledge in daily practices.


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

Education:

• Bachelor's degree (Bac + 3) or higher 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 micro-business 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 (preparation of client business plans)


• Knowledge of the documents required for different types of businesses

Organizational and Management Skills:

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


• Proficiency in office software


• Proficiency in the operating methods of the IT systems used


• Time Management: organization and rigor in managing priorities and the various tasks of the Credit Analyst role (administrative, commercial, etc.)


• Attention to detail

Behavioral Skills:

• Good interpersonal communication: Clarity, assertiveness


• Emotional intelligence: listening, stress management, conflict management


• Customer orientation: listening, interpersonal skills, empathy, teamwork, and coordination spirit


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


• Stress resistance


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


• Availability and geographical mobility


• Social commitment


• Integrity and ethics