Credit Analyst HND / BA / BSc Job
2024-06-03 16:53 Accounting / Financial Services Lagos 120 viewsJob Details
JOB TITLE: CREDIT ANALYST
LOCATION: Lagos
MODE: On -site
SUMMARY
A leading player in the Other Financial Institution in Lagos state requires the service of credit analyst.
Job Description
Ø Assess the creditworthiness of clients.
Ø Evaluate clients’ credit applications, financial documents, records and credit history to determine their credit worthiness.
Ø Prepare ratio, trend, cash flows analyses, and create projections based on historical data.
Ø Analyze credit applications and make recommendations to management for approvals.
Ø Prepare credit appraisal memorandum in respect of applications for the consideration of Approval.
Ø Follow up on credit requests to ensure approvals are obtained within approved timeline set by management
Ø Attend meetings with Relationship Officers to structure appropriate facilities for customers.
Ø Monitor risk asset portfolio and ensure adherence to regulatory standard.
Ø Prepare and submit credit reports to management and regulators in timely manner.
Ø Adhere to credit policy and guidelines of the company.
Ø Perform any other function that may be assigned by the Head, Credit Department, Management and Board
Ø Achieve agreed financials targets (assets and liabilities generation) on a monthly basis.
Skills & Requirements
Ø Ability to effectively manage competing deadlines for projects with less supervision.
Ø Excellent written and oral communication skills.
Ø Strong math aptitude, organizational and analytical skills.
Ø Strong problem-solving and follow-up skills coupled with pragmatism and common sense
Ø Decision oriented with the ability to support with sound reasoning and logic
Ø Impeccable understanding of financial statements, ratios, and concepts
Ø Computer literate; fluency in Microsoft Office programs (Word, Excel, Outlook)
Ø Experience with use of credit administration or other banking application software
Educational Qualification & Experience
Ø Bachelor’s degree or HND in any discipline.
Ø 3 - 4 years’ credit analysis experience in a bank or non-bank financial institution.
Applications should be forwarded to recruitment_kcl@outlook.com