View Jobs at Primera Africa Finance Group |
Full Time |
Posted 3 years ago |
JOB TITLE: Credit Analyst
JOB LOCATION: Victoria Island, Lagos
Job Type: Full-time
Department: Risk Management – Credit Analysis and Processing
Reports to: Head, Credit Analysis and Processing
JOB DETAILS:
- Ensure customers application are approved in line with agreed TAT
- Appraises risk asset applications and subjecting them to credit analysis identifying potential risks and advising Management of corrective actions to be taken to minimize credit losses
- Ensure adherence to Bank’s credit policies and processes.
Job Description
- Appraise and approve all SME and Microcredit loan applications
- Monitor the portfolio to ensure a healthy portfolio is maintained at 3% PAR
- Ensure lending assets for approval are within parameters
- Contact liaison with sales team to ensure conformity with credit policy and training
- Ensure that work flow is consistent with credit approval to achieve high portfolio standard
- Develop and implement procedure and processes for fraud prevention management
- Monitor/ report exposure and assess current and potential risk and assist management in developing prevention strategies
- Conduct credit checks and other verifications on consumer customers
- Regularly analyse concentration risk of loan protfolio and advise management accordingly
- Monthly and quarterly reporting of performance of loan customers to credit bureau
- Analyse and report on portfolio characteristics, assisting in product development geared towards managing inherent credit risks in bank’s products.
Accountabilities
- Credit reports and portfolio analysis reports
- Submission of reports to credit bureau
- Quality of loan portfolio
- Adherence to credit approval process
Qualifications
- Minimum of B.Sc. in any Social Science discipline (Business Administration, Marketing, Banking & Finance, Economics or related courses).
- Minimum of 3 to 5 years in Credit Analyst Role
- Experience with reviewing SME and Microcredit transactions
- Professional certification will be an added advantage
Required Skills:
- Excellent Interpersonal skills
- Persuasive skills
- Excellent Analytical skills
- Must be a team player
- Excellent Communication skills
- Vast in Microsoft office packages
- Problem solving skills
- Practical knowledge and understanding of risk management, CBN regulations and the financial services industry
Remuneration
Very competitive
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Job Features
Job Category | Analyst/ Quality Control |