Senior Credit Risk Analyst

Responsibilities:

• Reviewing loan applications for potential risks, including an applicant’s ability to repay the loan.
• Reviewing financial statements to determine the individual or company’s ability to repay its loan.
• Analysing financial data to assess risk exposure and recommend solutions.
• Reviewing of Pos or Contracts, Bridge Finance, Working capital loan, Income discounting, etc
• Reviewing a borrower’s credit history to determine their risk of defaulting on a loan or other financial obligation.
• Credit bureau spooling.
• Communicating findings with other team members within the lending institution or other parties involved in the decision-making process.
• Monitoring loans to detect signs of financial distress or possible fraud.
• Preparing reports, summarizing the findings of the analysis, and recommending the next action to take.
• Reviewing business cash flow/projections to determine whether applicants have realistic expectations about their ability to repay loans.
• Loan Monitoring and reporting
• Prepare weekly and monthly reports.
• Preparing and sending the monthly credit bureau report to credit bureau companies.
• Ability to motivate team members positively on the job.
• Mentoring junior staff on the job.

Requirements:

• 4-10 years of professional experience, preferably in SME loan review.
• Bachelor’s Degree in Business Administration, Finance, Accounting, Economics, or related field.
• Excellent numerical and analytical skills
• Knowledge of all regulatory policies and procedures
• Ability to recognize problems and apply Risk Management techniques to address them.
• Excellent Leadership, team management, developing, and mentoring.
• High-level influencing and interpersonal skills
• Excellent verbal and written communication skills
• Meticulous attention to detail and accuracy.
• Excellent organizational and leadership ability
• Analytical mind
• Problem-solving aptitude

Locations: Lagos and Abuja

Remuneration: NGN 450,000 - 750,000

Work Mode: Hybrid