Investment Analyst at Fanisi HR Solutions

• As an Investment Analyst for SME Loans and Impact Funds, you will play a crucial role in supporting the disbursement and collection of impact funds aimed at improving financial inclusion and economic empowerment in Urban and peri-urban communities. This includes managing a specialized portfolio of loans to Micro , Small and Medium-sized Enterprises (MSMEs), ensuring alignment with the program’s objectives, and achieving measurable social impacts.

Key Responsibilities

Due Diligence and Evaluation

• Conduct thorough due diligence on potential financial service providers (FSPs) and SME loan applicants, including financial analysis, risk assessment, and evaluation of their track record.
• Prepare detailed reports and recommendations for the Investment Director and the investment committee.

SME Loan Management

• Assist in managing the MSME loan portfolio
• Evaluate MSME eligibility
• Support the Investment Director in overseeing the MSME window to ensure alignment with program objectives.

Loan Disbursement

• Assist in the preparation and review of loan agreements and documentation.
• Coordinate with FSPs (financial service providers) and MSMEs to ensure timely and accurate disbursement of funds to the beneficiaries and participants.
• Monitor the use of funds to ensure compliance with the terms of the agreements and contracts.

Impact Assessment

• Develop and implement metrics to evaluate the social and financial impact of disbursed funds.
• Collect and analyze data on the effectiveness of the funds in achieving the desired impact, particularly focusing on youth employment, gender, location and others as per program guidelines.
• Prepare impact reports for internal and external stakeholders.

Collections and Risk Management

•  Monitor loan repayment schedules and track payments.
•  Identify and address early signs of repayment issues to mitigate risks.
•  Develop and implement strategies for effective collections and manage default cases.

Reporting and Documentation

• Maintain accurate and up-to-date records of all disbursements and collections.
• Prepare regular financial and impact reports for review by the Investment Director and other stakeholders.
• Assist in the preparation of presentations and reports for the investment committee and external partners.

Stakeholder Engagement

• Work closely with FSPs, MSMEs, beneficiaries, and other stakeholders to ensure smooth operations and communication.
• Conduct field visits to peri-urban communities to gather firsthand insights and feedback.

Continuous Improvement

• Identify areas for improvement in the disbursement and collection processes.
• Recommend and implement process enhancements to improve efficiency and impact.

Qualifications and Skills

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field. A Master’s degree or relevant certifications is a plus.
• Minimum of 3-5 years of experience in investment analysis, financial services, or impact investing.
• Experience in microfinance, SME lending, or working with peri-urban communities is highly desirable.

Skills:

•  Strong analytical and financial modeling skills.
•  Proficiency in using financial analysis software and tools.
•  Excellent written and verbal communication skills.
•  Strong interpersonal skills and the ability to work collaboratively with diverse stakeholders.
• Attention to detail and strong organizational skills.
• Ability to travel to peri-urban communities as needed.

Personal Attributes

• Passion for Impact: A genuine interest in social impact and improving the lives of underserved populations.
• Integrity: High ethical standards and commitment to transparency and accountability.
• Problem Solver: Ability to think critically and solve problems effectively.
• Adaptability: Flexibility to adapt to changing priorities and work in a dynamic environment.