Consumer Credit Analyst at United Bank for Africa Plc (UBA)

United Bank for Africa Plc (UBA) is one of Africa's leading financial institutions, with operations in 19 African countries and 3 global financial centres: London, Paris and New York. From a single country organisation founded in 1949 in Nigeria UBA has grown to become a pan-African provider of financial services with over 11 million customers, through close to 1000 business offices and touch points globally.

We are recruiting to fill the position below:

Job Title: Consumer Credit Analyst

Location: Nigeria

Job Objective(s)

• Performs first level review and evaluation on all retail requests to ensure all recommendations are made in line with the Bank’s Risk Acceptance Criteria for specific retail loan product (e.g. noting Debt Service Ratio limits; domiciliation of salaries, single obligor limit, regulatory compliance of retail requests, and approved employer counterparties etc)
• Confirms that all retail credit requests presented by the business offices through the bank’s workflow platforms have all required data completed and supporting documents are attached for scrutiny for an informed lending decision-making
• Recommends deserving credit requests for further approval or declines same where the requests fail to meet the bank’s RAC
• Conducts internal credit checks is done within the bank for any retail credit presented, while further providing due interpretation for the credit check reports to ascertain credit worthiness of the customer
• Conduct detailed collateral analysis, paying due attention to collateral acceptability, legality of title (for mortgage loans), Collateral coverage (LTV adequacy) and the ease of realization in default scenario
• Provide guidance to the business unit in processing credit requests and act as first level support for various challenges regarding their credit enquiries
• Preparation of weekly/monthly reports of facilities (approved/declined) as required by management
• Review of exceptional credit requests presented by the business units for further consideration/approval by management
• Timely response on enquiries and mails to ensure all requests are handled within the approved TAT

Application Closing Date
11th June, 2021.