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Job Alert: Credit Analyst at Value Edge Management Service Limited

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    We are a leading business management consulting practice serving clients across Africa. We work in all major sectors of the economy and levels of government engaging highly trained and sector-experienced consultants. VEMSL is a wholly owned Nigerian firm with offices in Lagos and Abuja. Established in 2010, we offer an array of business and management consul…

     

    Credit Analyst

    • Job Type Full Time
    • Qualification BA/BSc/HND
    • Experience 4 years
    • Location Lagos
    • Job Field Finance / Accounting / Audit&nbsp

    Location: Yaba, Lagos

    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.

    Method of Application

    Interested and qualified candidates should send their CV to: [email protected] or [email protected] or [email protected] using the Job Title as the subject of the email.

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