Credit Analyst at Creditville Nigeria Limited

Job Summary

• Market the various loan products of the company and also evaluate, and recommend approval of credit loan applications.

Duties & Responsibilities

• Identify new prospects and build relationship with them.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Analyze applicants' financial status, credit, and net worth to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Compute payment schedules.
• Submit applications to second level officers for verification and recommendation.
• Maintain market intelligence on industry competition and report accordingly.
• Assist in preparation of proposals and presentations.
• Review and update credit and loan files.
• Handle customer complaints and take appropriate action to resolve them.
• Market company products to individuals and firms, promoting services that may meet customers' needs.
• Analyze potential loan markets and develop referral networks in order to locate prospects for loans.

Key Performance Indicators

• Number and amount of new loans booked
• PAR percentage of the total portfolio
• Repayments received monthly
• Interest Income earned on Portfolio.

Qualifications

• First Degree in any discipline from a reputable organisation.

Experience

• Minimum of 2-year work experience.

Technical Skills:

• Deciding and initiating action
• Attention to Detail
• Leadership
• Negotiation
• Writing and reporting
• Planning and organizing
• Computer appreciation skills (Microsoft Office).

Behavioural Skills:

• Interpersonal
• Relationship management
• Presenting and communicating information
• Relating and networking.