Credit Risk Analyst at Alan & Grant

Alan & Grant - Our work is focused on creating innovative HR and Organizational Development Solutions aimed at Performance Improvement & Business Growth. We currently serve clients across various sectors of the Economy from locations in Jos, Port Harcourt and Lagos.

We are recruiting to fill the position below:

Job Title: Credit Risk Analyst

Location: Lagos
Job Type: Full time
Industry: Financial Services

Job Summary

• The holder of this role will be responsible for reviewing and assessing a client’s business and financial history to determine their suitability for a credit facility.
• In addition, the holder will be responsible for monitoring the performance of the credit portfolio and providing timely recommendations relating to overdue or defaulted facilities to management.

Duties and Responsibilities

• Develop relevant credit frameworks, policies, and guidelines.
• Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.
• Provide recommendations tied to analysis and assessment of credit.
• Maintain the credit exposure of the company within the approved credit risk appetite.
• Reconcile credit files and identify discrepancies and variances.
• Monitor the credit portfolio and evaluate the risk of potential default while recommending recovery solutions.
• Provide daily/weekly/monthly collection/payment schedules to clients and the business unit while ensuring prompt and timely repayments as per schedule.
• Negotiate terms of repayment or loan restructuring on behalf of the company with defaulters.​

Requirements

• Bachelor's Degree in Business Administration, Finance, Accounting, Economics, or any other numerate discipline.
• Relevant Master’s degree or a professional certification will be an advantage.
• Minimum 5 years experience in a similar position in the banking/financial services sector.
• Impeccable understanding of financial statements, ratios, and concepts.
• Strong attention to detail and ability to notice discrepancies in data.
• Strong presentation and communication skills.
• Excellent negotiation and persuasive skills.
• Strong numeracy and analytical skills.

Application Closing Date
Not Specified.