Credit Analyst at Beacongate Limited

Key Responsibilities

• Analyze applicants financial statements and credit data to evaluate creditworthiness.
• Perform detailed cash flow analysis to assess the repayment capacity of individual and business borrowers.
• Compare financial metrics and performance indicators against industry standards.
• Prepare and present credit reports and risk assessments to the credit committee.
• Recommend loan structuring options based on risk profiles.
• Monitor loan performance and proactively flag potential default risks.
• Work closely with relationship managers to ensure the quality of credit applications.
• Ensure compliance with internal policies and regulatory guidelines (e.g., CBN/MFB frameworks).

Qualifications

• Bachelor’s Degree in Finance, Accounting, Economics, or a related field.
• Professional certifications (e.g., ACA, ACCA, CFA) are an added advantage.
• Minimum of 3 years experience as a Credit Analyst in a microfinance, commercial bank, or financial institution.
• Candidates residing on Lagos Island or in nearby areas are strongly preferred.
• Must be willing to resume immediately or as soon as possible.

Key Skills and Competencies:

• Strong knowledge of credit analysis techniques, financial ratios, and cash flow modeling.
• Solid understanding of microfinance operations, lending principles, and regulatory requirements.
• Advanced Excel skills and proficiency in financial analysis tools.
• Attention to detail and high level of accuracy in analysis and reporting.
• Strong communication and presentation skills.
• Ability to work independently and manage multiple credit evaluations simultaneously.
• Problem-solving mindset with the ability to make sound judgments under pressure.