Credit Analyst- Value Edge Management Services
Value Edge Management Services
4d ago
source : BetaJob

Job Details

Location : Yaba, Lagos

Employment Type : Full-time

Job Description

  • The Credit Analyst position support and help to grow our client's loan portfolio with minimal losses and exceptional returns.
  • Key Responsibilities

  • Evaluating loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to Lease and Finance Director and the loan approving committees for approval
  • Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
  • Preparing reports about the degree of risk in lending money to clients
  • Analyzing client records and using the data to recommend payment plans
  • Conferring with references to exchange credit information on clients
  • Evaluating the financial status of clients by producing financial ratios through computer programs
  • Collaborating with sales and other units / departments in managing financial orders to help them control credit exposure, make payments on time, and reduce the risk of customer disputes.
  • Conferring with clients to verify their financial / credit transactions and to resolve their complaints
  • Analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk to the organization.
  • Determine if a loan or line of credit will be granted, and if so, the terms of the loan, including interest rate.
  • Prepare reports based upon due diligence findings to help make decisions on lending and credit-worthiness.
  • Collaborate with parties to clear and resolve equity, credit, tax and equipment issues and inform transaction charges.
  • Review leases and contracts to set up and monitor lease obligations.
  • Handle current Lease Line accounts and customer special handling reporting and invoicing.
  • Complete billing and payment packages on time with supporting documents.
  • Prepare Release of Lease and Assignments.
  • Conduct and maintain database lease entry document information
  • Respond to enquiries and coordinate with accounting departments.
  • Research to ensure payment of revenues on time.
  • Follow-up customer, lessee and vendor enquiries and special requests on time.
  • Qualifications and Requirements

  • HND / B.Sc / BA degree in Economics, Finance, Mathematics, Management or a related Business discipline
  • Minimum of 4 years (preferably commercial) working with an Investment institution, Commercial Bank, Financial Consulting Firm or in a Business Development Role (with experience in the financial services sector a plus).
  • Good knowledge of accounting and relevant lending ratios. ·
  • Experience in SME & consumer lending. ·
  • Highly motivated and target driven with a demonstrated experience with managing day to day aspects of client relationships and projects including considerable experience meeting commercial milestones (i.
  • e. achieving revenue or profit targets).

  • High attention to detail and strong analytical skills including the ability to properly identify the key credit risks, and reach a prompt and well thought out credit decision.
  • Good reporting skills.
  • Customer engagement skills and a passion for creating an extraordinary customer experience regardless of the final credit decision.
  • Excellent selling, communication and negotiation skills with a working knowledge of the entire underwriting process from loan application to funds disbursement and collections.
  • Able to work well with others and independently,

  • Use basic word-processing software and know-how to multitask.
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