Senior Credit Risk Analyst

Responsibilities: Reviewing loan applications for potential risks, including an applicant’s ability to repay the loan. Reviewing financial statements to determine the individual or company’s ability to repay its loan. Analysing financial data to assess risk exposure and recommend solutions. Reviewing of Pos or Contracts, Bridge Finance, Working capital loan, Income discounting, etc Reviewing a borrower’s credit history to determine their risk of defaulting on a loan or other financial obligation. Credit bureau spooling. Communicating findings with other team members within the lending institution or other parties involved in the decision-making process. Monitoring loans to detect signs of financial distress or possible fraud. Preparing reports, summarizing the findings of the analysis, and recommending the next action to take. Reviewing business cash flow/projections to determine whether applicants have realistic expectations about their ability to repay loans. Loan Monitoring and reporting Prepare weekly and monthly reports. Preparing and sending the monthly credit bureau report to credit bureau companies. Ability to motivate team members positively on the job. Mentoring junior staff on the job. Requirements: 4-10 years of professional experience, preferably in SME loan review. Bachelor’s Degree in Business Administration, Finance, Accounting, Economics, or related field. Excellent numerical and analytical skills Knowledge of all regulatory policies and procedures Ability to recognize problems and apply Risk Management techniques to address them. Excellent Leadership, team management, developing, and mentoring. High-level influencing and interpersonal skills Excellent verbal and written communication skills Meticulous attention to detail and accuracy. Excellent organizational and leadership ability Analytical mind Problem-solving aptitude Locations: Lagos and Abuja Remuneration: NGN 450,000 - 750,000 Work Mode: Hybrid