Credit Analyst HND / BA / BSc Job

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