Credit Analyst

Responsibilities:

• Investigate the creditworthiness of clients.
• Analyze financial statements, transactions, and credit history.
• Prepare ratio, trend, and cash flows analyses, and create projections based on historical data.
• Analyze credit applications and make recommendations for management’s approval.
• Prepare credit appraisal memorandum in respect of applications for the consideration of Approval.
• Attend meetings with Relationship Officers to structure appropriate facilities for customers.
• Monitor risk asset portfolio and ensure adherence to the regulatory standard.
• Prepare and submit credit reports to the management of the company and regulators in a timely manner.
• Achieve agreed financial targets (assets and liabilities generation) on a monthly basis.
• Adhere to the credit policy and guidelines of the company. 

Requirements:

• Minimum academic qualification of a Bachelor’s degree or HND in any discipline.
• 3 - 4 years of credit analysis experience in a bank or non-bank financial institution.
• Ability to effectively manage competing deadlines for projects with less supervision. 
• Excellent written and oral communication skills. 
• Strong math aptitude, and organizational and analytical skills.
• Strong problem-solving and follow-up skills coupled with pragmatism and common sense
• Decision-oriented with the ability to support sound reasoning and logic
• Impeccable understanding of financial statements, ratios, and concepts
• Computer literate; fluency in Microsoft Office programs (Word, Excel, Outlook)
• Experience with the use of credit administration or other banking application software.

Remuneration: NGN 2,400,000 - 3,500,000 million per annum (Negotiable)

• Performance bonus
• Health insurance package