Credit Analyst
Credit Analyst
Posted on :
25-01-2025
Employer Active
1 Vacancy
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Job Description
Our client; a cuttingedge health tech company is looking to hire a credit analyst in Ibadan Oyo state Nigeria.
About the Role
We are seeking a skilled Credit Analyst to evaluate the creditworthiness of the companys business customers. The ideal candidate will excel in analyzing financial data from various sources including bank statements and proprietary datasets to generate comprehensive risk profiles for businesses and their owners. Your insights will guide credit decisions and ensure that our credit exposures remain within acceptable risk thresholds.
Key Responsibilities
- Assess and make informed decisions on prospective and existing customers based on credit viability payment history credit reports and overall creditworthiness.
- Analyze financial documents including bank statements balance sheets and legal documents to assess repayment capacity and develop detailed risk profiles.
- Use Excel and other analytical tools to process and interpret large datasets identifying trends patterns and risks.
- Conduct onsite client visits when necessary performing risk analysis and gathering insights directly from businesses.
- Prepare and present comprehensive credit committee reports ensuring all credit applications are evaluated with transparency and accuracy.
- Utilize creditscoring systems to evaluate loan applications and provide actionable recommendations for management approval.
- Monitor customer trends cash flow analyses and create financial projections to assess ongoing credit risks.
- Recommend procedural and policy enhancements to improve the quality of credit decisions and reduce risk exposure.
- Stay uptodate on legal market risk and compliance issues relevant to credit management.
- Ensure compliance with credit policies and draft predictive models to anticipate credit trends and risks.
- Monitor loans for compliance analyzing the financial health of borrowers and producing clear objective reports.
Requirements
- Proven experience (24 years) as a credit analyst or in risk management within the microfinance or banking sector.
- Expertise in wrangling and analyzing quantitative data from bank statements and other proprietary data sources using Excel and similar tools.
- Ability to prepare and interpret NPL (NonPerforming Loan) reports.
- Strong bias for risk management compliance and critical thinking.
- Uptodate knowledge of legal market and compliancerelated risks.
- Proficiency in analyzing cash flows leverage collateral and customer financial strength.
- Excellent communication presentation and decisionmaking skills.
- Sound judgment and attention to detail.
- Educational Qualifications: B.Sc. in Business Administration Risk Management Economics Financial Accounting Statistics or a related field.
Employment Type
Full Time
Key Skills
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