Job Summary

JOB SUMMARY: Credit risk analyst determines customers’ creditworthiness, analyze and evaluate financial data and customers ‘potentials, monitor customers’ activities, perform risk assessment and make informed decisions as regards extending credit to customers. The ideal candidate will be responsible for evaluating customer data to determine potential customers to extend credits, monitoring existing customers’ performance, performing risk assessments, writing detailed reports, and making informed decisions while extending credit.

  • Minimum Qualification: Degree
  • Experience Level: Management level
  • Experience Length: 8 years

Job Description


  • Evaluate the financial status of agents/customers by producing financial ratios through computer programs and tools. 

  • Assess the creditworthiness of existing or prospective agents

  • Complete ratio, trend and cash flow analyses and create projections

  • Determine in depth the degree of risk involved

  • Carefully analyse data and produce clear and objective reports

  • Routinely monitor loans for compliance

  • Adhere to credit policy and guidelines

  • Monitor corporate portfolio asset quality on an on-going basis

  • Draft models of credit information that predict trends and patterns

  • Proficiency in statistical packages and financial software

  • Up to date with legal, compliance and market risk-related issues

  • Ability to analyse cash flows, leverage, collateral and customer strength


  • Strong communication and presentation skills.

  • Proven working experience as a credit analyst in a Fin-Tech Industry

  • Minimum of bachelor’s degree/ HND in Accounting, Finance or a related discipline

  • At least 5 years of relevant work experience in analysing consumer and SME loans.

  • Create innovative credit evaluation processes and systems.

  • Evaluating agents/customers credit data and financial statements in order to determine the degree of risk involved in lending money to them

  • Preparing reports about the degree of risk in lending money to agents

  • Analysing agents/customers records and using the data to recommend payment plans.

  • Conferring with credit associations and references to exchange credit information on agents.

  • Preparation of statutory reports.

  • Attention to detail.

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