Credit AnalystCanary Point Corporate Services

Successful candidate will:

• Assess the creditworthiness of potential borrowers and evaluate the risk associated with lending to them.
• Analyze financial statements, credit reports, and other relevant information to determine the applicant's ability to repay loans.
• Prepare detailed credit proposals outlining the borrower's financial position, repayment capacity, and proposed loan terms.
• Conduct industry and market research to assess the risk factors associated with different sectors and borrowers.
• Monitor existing loan portfolios, identify potential risks or delinquencies, and recommend appropriate actions to mitigate risks.
• Collaborate with Relationship Managers, Legal, and other teams to structure financing deals and ensure compliance with internal policies and regulatory requirements.

Requirements

• Bachelor's Degree in Finance, Accounting, Economics, or a related field. A Master's degree or professional certification (e.g., ACIB, CFA, ACCA) is a plus.
• 3 - 5 years proven experience as a Credit Analyst role in a financial institution, preferably in commercial or corporate lending.
• Strong analytical skills with the ability to interpret financial statements, assess credit risks, and make sound lending decisions.
• Knowledge of credit risk management principles, loan structuring techniques, and regulatory requirements.
• Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams.
• Proficiency in financial analysis software and Microsoft Office Suite.
• Attention to detail, time management skills, and the ability to work effectively under pressure.
• Understanding of relevant Nigerian banking regulations and CBN guidelines.