drjobs Senior Credit Analyst - SME Loans

Senior Credit Analyst - SME Loans

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1 Vacancy
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Jobs by Experience drjobs

4-5years

Job Location drjobs

Lagos - Nigeria

Monthly Salary drjobs

Not Disclosed

drjobs

Salary Not Disclosed

Vacancy

1 Vacancy

Job Description

We are seeking a highly skilled Senior Credit Analyst to lead the assessment and evaluation of credit applications for SME loans. The ideal candidate will be responsible for conducting indepth credit analysis assessing risk and making sound recommendations to support the company s lending decisions. This role requires strong analytical skills sound judgment and a deep understanding of SME business operations and financial statements.

Requirements

Financial Statement Analysis:
Analyze financial statements credit reports and other relevant data to assess the creditworthiness of SME clients.
Ascertain the Profitability Liquidity and Leverage ratio of the business to determine repayment capacity.
Recommend eligible loan amounts for approval

Credit Risk assessment:
Evaluate credit risk associated with SME loan request and provide recommendations on credit limits terms and condition.
Evaluate economic socio political and regulatory factors that may affect the continuity or operations of the SME client.

Collateral Recommendation:
Recommend appropriate collateral mix acceptable by the bank to act as a buffer in the event of loan default
Ensure assets to be pledged as collateral are adequately valued by the Bank s accredited valuers.
Ensure the value of the asset to be pledged as collateral meets the Bank s stipulated collateral coverage.

Loan Interview
Communicate with clients to gather financial information clarify credit report discrepancies and provide credit decisions.
Visit the client s business premises for advanced due diligence depending on the loan amount or threshold set by the bank.

Loan performance Review and Reporting
Review the performance of SME portfolio on a monthly basis
Generate a report to Management showing the collection efficiency rate of SME loans processed monthly.

EDUCATIONAL QUALIFICATIONS
BSC/HND
CIBN/ MCP is an added advantage

Benefits

  • Hybrid work model
  • 13th month salary
  • Leave Allowance
  • HMO


Employment Type

Full Time

Company Industry

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