CREDIT ANALYST

A leading player in the Other Financial Institution in Lagos state requires the services of a credit analyst.

Job Description:

• 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.

Requirements

Skills and Person Specifications.

• 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 problemsolving and followup 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
  

• Educational Qualification & Experience Bachelor s degree or HND in any discipline.
  

• 3 4 years credit analysis experience in a bank or nonbank financial institution.
  

Remuneration: Competitive salary package