Credit Analyst

Responsibilities:

• Assess the creditworthiness of clients.
• Evaluate clients’ credit applications, financial documents, records and credit history to determine their credit worthiness.
• Prepare ratio, trend, cash flows analyses, and create projections based on historical data.
• Analyze credit applications and make recommendations to management for approvals.
• Prepare credit appraisal memorandum in respect of applications for the consideration of Approval.
• Follow up on credit requests to ensure approvals are obtained within approved timeline set by management
• Attend meetings with Relationship Officers to structure appropriate facilities for customers.
• Monitor risk asset portfolio and ensure adherence to regulatory standard.
• Prepare and submit credit reports to management and regulators in timely manner. 
• Adhere to credit policy and guidelines of the company. 
• Perform any other function that may be assigned by the Head, Credit Department, Management and Board
• Achieve agreed financials targets (assets and liabilities generation) on a monthly basis

Requirements:

• Bachelor’s degree or HND in any discipline.
• 3 - 4 years’ 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, organizational and analytical skills.
• Strong problem-solving and follow-up skills coupled with pragmatism and common sense
• Decision oriented with the ability to support with sound reasoning and logic
• Impeccable understanding of financial statements, ratios, and concepts
• Computer literate; fluency in Microsoft Office programs (Word, Excel, Outlook)
• Experience with use of credit administration or other banking application software
• Age range of 30 – 35 years is preferred