• Application Deadline:
• Position: Credit Analyst



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 2 - 3 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

JOB SUMMARY

• We are seeking a highly analytical and detail-oriented Credit Analyst to join our fast-paced Operations team.


• The ideal candidate will have a strong grasp of credit principles, loan request procedures, and financial statement analysis.


• This individual will play a vital role in ensuring the accuracy and efficiency of our credit processes, from reviewing loan applications to generating comprehensive reports.

ESSENTIAL JOB FUNCTIONS

• Prepare and submit accurate credit reports to credit bureaus, adhering to all regulatory guidelines and deadlines.


• Analyze loan applications, including credit history, financial statements, and supporting documentation to assess creditworthiness and risk.


• Reconcile incoming loan payments, accurately update customer accounts, and ensure timely posting of transactions.


• Handle loan booking and liquidation procedures, ensuring compliance with internal policies and external regulations.


• Generate comprehensive loan book reports, providing insights into portfolio performance, trends, and potential risks.


• Review and reconcile Intercompany Settlement (ICS) loans, ensuring accuracy and adherence to agreements.


• Assist in the restructuring of loans when necessary, analyzing borrower circumstances and proposing suitable solutions.


• Contribute to the ongoing improvement of credit analysis processes and procedures.


• Process customer refund requests accurately and efficiently, ensuring compliance with relevant policies and regulations.

EDUCATION

• Bachelor's degree in Finance, Accounting, Economics, or a related field.


• Professional certifications are a plus.

TECHNICAL REQUIREMENTS

• Strong computer skills, including Microsoft Office Suite.


• Proficiency in Microsoft Excel (including formulas, pivot tables, and data manipulation).

SKILLS REQUIRED:

• In-depth knowledge of loan restructuring and reporting.


• Excellent analytical and problem-solving skills.


• High level of accuracy and attention to detail.


• Strong written and verbal communication skills.


• Ability to work independently and as part of a team.


• Strong written and verbal communication skills.


• Attention to details


• Great interpersonal skills


• Result oriented

WORK EXPERIENCE

• Minimum of 2-3 years of proven experience as a Credit Analyst or in a similar role within a lending financial institution.