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Credit AnalystICS Outsourcing

LagosNigeria
3 months0 Applicants
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job description - Credit Analyst

  • 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.

Educational Qualification & Experience

  • Bachelor's Degree or HND in any discipline.
  • 3 - 4 years credit analysis experience in a bank or non-bank financial institution.

Skills and Person Specification:

  • 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.

Remuneration

  • Competitive salary package.
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