Credit & Risk Analyst
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Job summary
We are looking for a junior credit & risk analyst to join our team. This role involves analysing financial statements, assessing borrower risk, and ensuring compliance with credit policies while contributing to the bank's risk management strategy.
Min Qualification:
HND
Experience Level:
Entry level
Experience Length:
2 years
Working Hours:
Full Time
Job descriptions & requirements
Responsibilities:
- Analyse financial statements and ratios to assess the borrower's financial health.
- Evaluate lending risks and identify cost reduction opportunities.
- Collaborate with clients and loan officers on credit decisions.
- Prepare loan applications and develop risk mitigation strategies.
- Recommend credit limits for new customers.
- Verify the authenticity of provided documents.
- Ensure loan proposals comply with bank credit policy.
- Recommend adjustments to credit policies based on market trends.
Requirements:
- A minimum of an HND.
- A minimum of 2 years of relevant work experience in a financial institution
- MCP is an added advantage
- proficiency in MS Office and core banking software applications
- Ability to navigate compliance issues
- Strong attention to detail and problem-solving skills
- Knowledge of Credit and portfolio management
- strong financial analysis and reporting skills
- Risk Assessment expertise
- Great communication and negotiation skills
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