Job Summary

To originate, appraise and approve credit request applications in line with the Bank’s credit policy and the risk acceptance criteria, to deliver quality and sustainable risk assets.

  • Minimum Qualification: Degree
  • Experience Level: Mid level
  • Experience Length: 5 years

Job Description/Requirements

Responsibilities:

  • Review of the credit requests to identify key risk and proffer  mitigants, agree to structure with business group and to  provide conditions precedent to drawdown 
  • Ensure prompt response to credit requests to excite  customers 
  • Work with other Stakeholders to ensure completeness of  documentation to safeguard the Bank’s position 
  • Review and analyze NPL, extract necessary information and make recommendations. 
  • Review and appraise fast track credit and detailed analysis  credit within the set threshold of approval 
  • Partake in the credit policy design/formulation process
Key Performance Indicator:
Financial: 
  • Bank’s PBT
  • Cost Containment 
Customer: 
  • Net Promoter Score 
People: 
  • Staff Turnover - Retention (Regrettable Loss)
  • Staff Performance Management
  • Staff Training & Development 
Process:
  • Percentage achievement of the Risk  assets budget for the year - at least 80%
  • NPL ratio - less than 5%
  • TAT on credit processing i.e. < 5% of  credit process TAT breach
  • The ratio of undisbursed approved  credit request to total approved credit  request
  • Quality of credit processed: measured  by the number of the recommended request referred by SCO 
Risk: 
  • Risk & Control Rating

Required Competencies: 

Core: 

  • Credit analysis
  • Understanding of CBN monetary policies & guidelines
  • Loan structuring & restructuring
  • Credit risk management
  • Financial statement analysis
  • Data mining 
  • Trade finance & documentary credit/ collections
  • Reporting 

Non-Core: 

  • Product knowledge
  • Policy formulation & implementation 

Behavioural Competencies: 

  • Interpersonal relations 
  • Initiative 
  • Analytical ability 
  •  Decision quality & Problem-solving

Organizational Competencies: 

  • Attention to Detail
  • The bank"s Ethics & Values
  • Continuous Learning
  • Drive for Results
  • Time/Self Management

Job Profile:

The behavioural competencies of the job include the ability to: 

  • Be a self-starter in order to complete tasks and overcome problems as well as provide direction for others.
  • Create a culture of continuous improvement.
  • Continually seek out opportunities. Practise and encourage a culture of strategic excellence.
  • Take appropriate decisions whilst, at the same time, ensuring that others do likewise.
  • Evaluate situations and calculate risks whilst justifying and defending quality standards.
  • Enjoy challenging problem-solving situations and come up with well thought through practical solutions.
  • Provide simple, practical solutions and complete all assignments thoroughly and timeously.
  • Work as part of a team and demonstrate tolerance, understanding and consistency when dealing with others. 
  • Adopt a serious and questioning manner in order to assess situations and reach conclusions, thus basing the processes on facts and information gleaned from others.
  • The Job Profile indicates that the job requirement is for a person who has the ability to achieve results through a logical, systematic and perfectionist approach. 
  • Challenging assignments and the research of facts and information within a specialist/technical area are also important to the role.
  • The incumbent should have the persistence to see a job through to a conclusion and be happy to work either alone or on the periphery of a team.
  • The function calls for well-defined parameters,  achieving goals and solving problems, whilst at the same time maintaining quality and standards.
  • The person occupying the job should be authoritative, inquisitive, self-reliant, methodical, deliberate and precise in approach. The ability to question, concentrate and work within set precedents may also be important aspects of this job.

Educational Qualification: 

  • First Degree in the numerate field. Second degree/ Professional qualification would be an added advantage

Experience: 

  • At least 5 years of cognate experience in credit analysis.

Important Safety Tips

1. Do not make any payment without confirming with the Jobberman Customer Support Team. 2. If you think this advert is not genuine, please report it via the Report Job link below.

Share Job Post

Stay Updated Join our newsletter and get the latest job listings and career insights delivered straight to your inbox.

Log In to apply now

Activate Notifications Stay productive - get the latest updates on Jobs & News
Activate
Deactivate Notifications Stop receiving the latest updates on Jobs & News
Deactivate
Lagos
| Full Time |
Confidential
2mos
Anonymous Employer
Lagos
| Full Time |
Confidential
2mos