Credit Analyst at Capital Corp Limited

Capital Corp Limited, an Investment firm in Lekki, Lagos State, is recruiting suitably qualified candidates to fill the position below:

Job Title: Credit Analyst

Location: Victoria Island, Lagos
Employment Type: Full-time

Responsibilities
Credit Risk Assessment:

• Analyze financial statements, credit reports, and economic data to assess applicants' financial health.
• Evaluate credit history, payment trends, and debt levels to determine credit risk.
• Assess market conditions and industry trends that may impact borrowers’ ability to repay.

Financial Analysis & Decision-Making:

• Develop credit models and scoring systems to assess risk levels.
• Recommend credit limits, loan terms, and interest rates based on risk evaluation.
• Conduct cash flow analysis and financial forecasting for borrowers.

Loan & Portfolio Management:

• Monitor existing credit accounts to identify early warning signs of financial distress.
• Assist in structuring loans to balance profitability and risk mitigation.
• Ensure compliance with company credit policies and regulatory requirements.

Reporting & Documentation:

• Prepare detailed credit reports and risk assessments for senior management and lenders.
• Maintain records of credit analysis, approvals, and rejections.
• Support internal and external audits related to credit assessments.

Collaboration & Communication:

• Work closely with sales, risk management, and finance teams to ensure smooth lending processes.
• Communicate with clients to gather financial data and clarify credit concerns.
• Provide recommendations for improving credit policies and risk management strategies.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field (Master’s preferred).
• 4 years of experience in credit analysis, risk management, banking, or lending.
• Certificationsa plus.

Key Skills:

• Strong analytical and financial modeling skills.
• Knowledge of credit risk assessment techniques and financial regulations.
• Proficiency in financial software, credit scoring tools, and Microsoft Excel.
• Excellent attention to detail and problem-solving abilities.
• Strong communication and decision-making skills.

Application Closing Date
28th March, 2025.