Credit Analyst at DexNova Consulting Limited

Department:         Credit 

Job Objectives:  Assess customer’s loan application to determine credit worthiness and daily computation of the Bank-wide PAR. 

Job Roles and Responsibilities 

• Daily computation of the bank's PAR. 

• Preparation of the loan officer PAR ratio against the next credit review meeting. 

• Compute and advise on the repayment amount due or loan paid off amount due upon request. 

• Reconcile credit files and identify variances and return to Loan processing officer for regularization. 

• Thorough analysis of loan appraisals. 

• Keep up to date with the bank's lending protocols and ensuring full compliance. 

• Analyse overdrawn account and make required recommendation. 

• Prepare and analyse the bank sectorial / industrial participation using models, graphs and ratios considering the regulatory requirements to advise and give direction to the bank. 

• Populate and compute the credit ratios as required by the regulatory bodies on daily basis to determine the bank compliance and adjustments required. 

• Execution of other task as assigned by the head of the department. 

Educational And Professional Requirement 

• A BSc in business, finance, accounting, or any related field 

• At least 3 years of work experience as a credit analyst in the Microfinance sector 

• Excellent analytical and excel skills. 

• Must be able to performance in a high-pressured environment and meet up with set deadlines. 

Reporting Line: Head of credit