• Application Deadline:
• Position: Credit and Risk Analyst



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 2 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Responsibilities

• Work with the Control Manager to assess credit applications.


• Conduct preliminary interviews with loan applicants.


• Monitor the sales team for emerging risks and develop a robust system to identify, manage and control credit, market and operational risks.


• Prepare timely, comprehensive and reliable credit risk reports to senior management and board on a regular basis.


• Assist in the development of risk policies, procedures, and standards.


• Review all loan documents and agreements to make sure they are all complete, valid and in accordance with the company's guidelines.


• Assess the credit worthiness of existing or prospective clients.


• Ensureproper documentation of credits by adhering to set documentation standards and procedures


• Work out plans and strategies for delinquent customers and provide additional support with respect to exposures requiring legal action.


• Review and analyze the delinquent portfolio to identify key causal factors, make recommendations and track them to ensure adequate and timely closure.


• Carry out any other task as required from time to time.

Requirements

• HND/ B.Sc. Degree in Finance, Accounting, or related disciplines.


• 2 years of experience as an analyst in a Microfinance Bank is a major consideration.


• Strong ethical behavior and the ability to work with sensitive financial information.


• Excellent knowledge of loan application procedures and best lending practices.


• Strong written and verbal communication skills.


• Exceptional analytical skills, sound assessment and time management skills.