Credit Analyst at Winock Lending Limited Full Time

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 seeking competent, self motivated, hardworking and result driven professional to fill the position below:

Job Title: Credit Analyst

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.

Application Closing Date
10th June, 2022.

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