• Application Deadline:
• Position: Senior Credit Analyst - SME Loans



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

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 in-depth 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​