VSE Credit Analyst (M/F) - Casablanca

Company :

With over 30 years of experience, the Arrawaj Foundation is a major economic and social player in the microfinance sector. 

Based in Morocco and with over 2,000 employees spread across more than 260 agencies and 15 regions, the Arrawaj Foundation is proud to contribute to the financial inclusion of project holders and micro-entrepreneurs excluded from traditional financing channels by offering them diversified, local, adapted, and innovative products and services.

The success of our institution is based on a foundation of core values that inspire the actions of all our employees and guide our relationships with stakeholders:

• Commitment: We are determined together to see things through.
• Respect: To better appreciate each other
• Ethics: The foundation of our conduct
• Responsibility: A sense of duty at the heart of our mission

Join us soon, give your career a boost! What we offer you: 

• A fair career development policy focused on skills with personalized support.
• Tailor-made training to develop your skills both within our "Talent Academy" center, our E-learning platform, or through recognized excellent partners.
• A fair and competitive remuneration policy, focused on individual and collective performance.
• Multi-dimensional social coverage covering life's uncertainties and ensuring your future and that of your children.
• A friendly and stimulating work environment, focused on recognizing initiatives. 

Discover the testimonial of Ali Waâli, Director of Human Capital at the Arrawaj Foundation in Challenge Maroc magazine by clicking here: https://bit.ly/42DX8OY

Company culture :

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 :

Job Missions: 

- The VSE analyst carefully 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 agencies and the requirements for sound risk analysis of a loan. Eliminate bias from a field agent with an analysis of the consistency of the information provided (while considering the difficulties in 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 compliance of the entered information (template, system, client documents) and its consistency with financial results.
• Analyze financial statements (balance sheet, cash flow, client diagnostic, formal and informal account statements).
• Assess the market and the client's business sector situation.
• Identify, analyze, and evaluate the risks associated with the loan.
• Responsible for verifying VSE loan files.

2. Ensuring file completeness before committee meetings:

• Verify the existence, validity, and authenticity of the 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 sector benchmarks (margins, inventory 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 references.

5. Training and continuous improvement: 

• Actively participate in internal training and apply acquired knowledge in daily practice.
• Contribute to the continuous improvement of risk analysis tools and methods.

Required profile :

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 VSE segment

 Professional / Technical Expertise: 

• Basic knowledge in Management and notions in accounting and finance
• Financial Analysis Skills: Financial analysis of a credit and risk assessment (preparation of client business plans)
• Knowledge of the necessary documents 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 operational modes of the information systems used
• Time management: organization and rigor in managing priorities and the various tasks of the credit analyst (administrative, commercial, etc.)
• Attention to detail

Behavioral Skills: 

• Good interpersonal communication: Clarity, assertiveness
• Emotional intelligence: listening, stress management, conflict management
• Customer focus: listening, interpersonal skills, empathy, team spirit and coordination
• Responsibility and autonomy: sense of responsibility, initiative, perseverance, and taste for challenge
• Stress resistance
• Agility and adaptation: flexibility, ability to adapt to different situations
• Availability and geographical mobility
• Social commitment
• Integrity and ethics

Head office address :

Desired personality traits :

Will to persuade Conventional Flexibility Involvement at work