• Application Deadline: Tue, 31 Jan 2023 00:00:00 GMT
• Position: Credit Analyst


• Job Type Full Time


• Qualification BA/BSc/HND


• Experience 5 years


• Location Lagos


• Job Field Finance / Accounting / Audit 
  


• Salary Range ₦150,000 - ₦200,000/month
  

Responsibilities:

• Participate and assess the credit cycle process (pre disbursement and post- disbursement) to ensure compliance.


• Conduct field visit to verify the formation of groups, existence of the client and their household, existence of business(s) which the loan is disbursed, quality and maintenance of collateral pledged, and the loan field analysis conducted by the CRO.


• Review documents submitted during loan applications as well as cluster performance to determine loan eligibility


• Ensure that loans are originated in compliance with established policies and procedures and those exceptions are properly monitored, documented and approved.


• Evaluate and monitor the credit management process to identify risk-related issues needing escalation to management.


• Maintain debtor's book to ensure that the debt status is accurate and latest.


• Collect outstanding debts from clients and achieve collection target to ensure positive cash flow.


• Review collection queue to perform collection activities accordingly.


• Adhere to collections policies and procedures.


• Monitor and report on credit risk on a transaction, client and portfolio level by ensuring:


• Client / transaction information is obtained and used to determine compliance to credit conditions / covenants and non-compliance is reported in a timely manner


• Conduct spot and Scheduled visit, arrest, petition and track debtors


• Evaluated Credit worthiness by processing loan applications and documentations within specified limits.


• Used amortization to determine all applicable ratios and metrics and set up dept payment plans


• Completed loan contract and counseled client on policies and restriction.


• Carry out other deliverables as assigned by Head of Risk and Recovery