The Eastern Caribbean Partial Credit Guarantee Corporation is seeking to fill the following positions: Credit Analysts

Background

The ECPCGC was established by the Member Governments of the Eastern Caribbean Currency Union (ECCU) to increase the availability of financing to promote the creation, expansion, modernization, and improvement of micro, small, and medium enterprises (MSMEs).

The statutory objectives of the ECPCGC are to:

a. Assist in promoting economic growth and development in Member Territories by administering the Credit Guarantee Scheme to increase access to finance.

b. Offer credit guarantees to Participating Lenders in respect of Qualifying Enterprises.

c. Enable Qualifying Enterprises to access loans from Participating Lenders with the intention of:

i. Strengthening the confidence of Participating Lenders in providing loans to Qualifying Enterprises; and
ii. increasing the ease with which loans can be accessed by Qualifying Enterprises from Participating Lenders.

TERMS OF REFERENCE

CREDIT ANALYST (CA)

1. Purpose of the position

The Credit Analyst will be directly responsible to the Senior Officer. S/he shall perform the first analysis of applications for loan guarantees from Participating Lenders and other duties related to loan and lender activity. The Credit Analyst shall provide support to financial institutions and MSMEs and will prepare reports, tracking the submissions from the lenders.

2. Main Responsibilities

The Credit Analyst will be responsible for:

- Performing the initial credit analysis on all applications received. The goal of the analysis will be to determine if there is adequate cash flow from ongoing operations to support the debt service required to repay the loan.

- Verifying that the social and environmental safeguards are adequately addressed in the application, with the support of the ESHS Specialist.

- Preparing the first review with a recommendation and justification for the decision.

- For approved applications, ensuring that the disbursement documents are received from the Participating Lender

- Completing any other tasks as assigned by the Senior Officer.

- Ensuring that the web portal stays current with the most recent data requirements.

- Responding to questions on the use of the portal by lenders.

- Performing a regular audit of applications on the portal to ensure that all documentation is in order.

- Noting any lender training needs that may be apparent from the processing of applications.

- Conducting training and outreach activities as assigned by senior managers. Assisting with the development of marketing materials, including items posted on a social media page.

- Ensuring that all forms on the website are up to date.

- Participating in lender training programs.

- Assisting the ESHS Specialist with the credit aspects of the investigation.

- Performing the initial review of a claims package to ensure that all required documents are included.

- Work with lenders to obtain any missing documents.

- Following up with lenders on liquidation status reports as needed.

- Assisting with risk management activities including review of lender performance reports.

- Following up with any lenders that did not submit their monthly loan portfolio status report.

3. Contract duration

- The contract term is three years renewable upon satisfactory performance. There will be a 3-month probationary
period before confirmation.

4. Professional, academic qualifications and experience

- A Bachelor’s degree is required, preferably in accounting, finance, business administration or other related field and a minimum 5 years’ experience in MSME credit analysis.

5. Experience shall include but not be limited to the following:

- Experience working in a credit function, including loan approvals, servicing and/or liquidation

- Familiarity with MSME lending

- Familiarity with cash flow analysis as it relates to a decision on whether to approve a loan application

- Ability to identify characteristics of a successful MSME loan application

- Proven technical proficiency and strong analytical skills

- Good planning and organisation skills.

- Experience making public presentations to groups of people

- Exceptional written, oral, interpersonal, and presentation skills:

- Proficiency in English

- Proficiency in the use of Microsoft Office software.

Some advisory assistance, training and mentoring may be provided in specialized areas.

For further information, please get in touch with ECPCGC at  info@ecpcgc.org

Please apply to info@ecpcgc.org by Friday, May 9th, 2025, quoting the position for which you are applying in the subject line.