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Credit Analyst Bachelor Degree Job

2025-01-21 11:00   Accounting / Financial Services   Lagos   48 views
Job Details

Key Responsibilities


Review and analyze credit requests from individuals and corporate clients.
Prepare credit memos, loan disbursement schedules, and offer letters.
Draft loan and lease agreements and ensure all documentation is in order.
Create and manage loan accounts in the company's Core Banking System.
Maintain accurate credit files and manage the filing system.
Assist the Head of Risk Management with other duties as required.


Requirements


Minimum of a BSc. or HND in Accounting or a related field.
2 - 3 years of post-qualification experience in a similar role.
Excellent written and oral communication skills.
Proficiency in MS Office, especially MS Excel.
Technology-savvy with a strong understanding of credit analysis processes.


Key Performance Indicators (KPIs)


Credit Approval Rate: Percentage of credit applications approved after analysis.
Timeliness of Credit Processing: Meeting deadlines for preparing memos, agreements, and account creation.
Accuracy of Credit Reports: Number of errors in loan/credit memos, disbursement schedules, and agreements.
Portfolio Quality: Ensuring a low level of delinquent loans in the portfolio.
Compliance with Risk Management Standards: Adherence to company policies and procedures in credit evaluation.



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Company Description
Opticom Finance Limited is a Non-Bank Financial Company operating since 1998. We are licensed and permitted by the Central Bank of Nigeria to offer a wide range of financial products and services. Don't Buy It, Lease It.