Credit Analyst at FUNDiT Finance

Responsibilities

• Analyze credit data and financial statements of individuals or businesses to determine the degree of risk involved in lending.
• Evaluate client repayment capacity based on income, obligations, industry, and market trends.
• Review loan requests and ensure completeness of documentation.
• Verify identity, bank statements, collateral, credit history, and references.
• Use internal scoring systems or credit models to assess borrower risk.
• Make data-driven recommendations to approve, decline, or modify loan terms.
• Track and assess the performance of existing loan portfolios.
• Flag high-risk accounts and suggest appropriate mitigation or restructuring steps.
• Ensure all credit approvals are in line with company policies and regulatory standards (e.g., CBN guidelines).
• Maintain accurate and complete credit files for audit readiness.
• Prepare periodic credit reports, delinquency analysis, and loan performance metrics for management.
• Provide insights on credit trends and risk exposures.
• Work closely with Business Development Officers, Risk Managers, and Recovery teams.
• Assist in developing or refining credit policies and procedures.
• Occasionally interact with clients to clarify financial data or explain credit decisions.
• Educate clients on credit terms, loan obligations, and financial improvement strategies.

Requirements

• Interested candidates should possess a Bachelor's Degree with 5 - 8 years of experience.

Required Skills/Knowledge:

• Strong analytical and financial modeling skills
• Attention to detail and high integrity
• Knowledge of loan processing and risk management
• Familiarity with credit bureau systems (e.g., CRC, FirstCentral)
• Proficiency in Excel and credit analysis software
• Understanding of local and international credit laws/regulations.