Credit Analyst Job at Winrock International
Winock is a mission-driven social impact organization committed to uplifting micro-businesses in Nigeria through the provision of affordable services that are essential for these businesses to grow & thrive. Through our subsidiaries we provide Cash loans, and Solar equipment & Financing for micro-businesses at affordable rates.
We are recruiting to fill the position below:
Job Position: Credit Analyst
Job Location: Abuja
Employment Type: Full-time
Job Description
- Educate the customer by demonstrating an in-depth knowledge of the features, benefits and applications of available products and service.
- Conducting credit search from an approved Credit Bureau for facilities.
- Preparing monthly Portfolio AT Risk (PAR) with a summary of loan loss provision required when assigned.
- Good knowledge of the bank’s products, policies and regulations.
- Demonstrate macro level knowledge of credit risk policy and internal credit ratings to determine client’s creditworthiness.
- Evaluate clients’ credit data and financial statements to determine the degree of risk involved in lending money.
- Review loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval.
- Prepare reports about the degree of risk in lending money to clients.
- Analyze client records and using the data to recommend payment plans.
- Confer with credit associations and references to exchange credit information on clients.
- Identify and understand key risk elements of potential transactions and work effectively with team lead to competitively structure and price transactions.
- Assume primary responsibility for transaction management; working effectively with others to complete documentation, funding and booking on a timely basis within prescribed guidelines.
Requirements
- Bachelor's Degree in in any discipline.
- At least 3 years of experience on a similar position.
- Professional qualification will be an added advantage.
- The candidate should possess an in-depth knowledge of the financial services sector and the ability to negotiate and close transactions.
Salary
N70,000 - N150,000 monthly.
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