Credit Analyst at Guaranty Trust Holding Company Plc(GTCO)

Reports to: Chief Risk Officer
Industry: Financial Services

Job Summary

• The Credit Risk Analyst will assist in assessing the creditworthiness of an individual or company.
• This would be done by gathering financial/non-financial information about an obligor and making recommendations as appropriate on credits.
• He/she should be up to date on the happenings in various industries to enhance the quality/requirements for credit applications and be able to make recommendations to the organization on procedural or policy changes.

Supervisory Responsibilities:

• This position has no direct supervisory responsibilities but does serve as a coach and mentor for other positions in the department.

Duties / Responsibilities

• Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them.
• Review and analyze credit requests to determine financial and non-financial strengths, risk levels, and feasibility of proposed credit relationships and transactions.
• Prepare reports and communicate regularly about the degree of risk in lending money to clients.
• Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
• Fill out loan applications and include the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval.
• Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.

Education and Experience

• Bachelor's Degree in Finance, Accounting, or other business-related fields
• Minimum of 4 - 5 years of experience
• Professional qualification in; Financial Risk Management (FRM), Association of Chartered Certified Accountants (ACCA), Institute of Chartered Accountants of Nigeria (ICAN)

Required Skills/Abilities:

• Superior quantitative analysis skills
• Strong analytical and critical thinking skills
• Good understanding of financial statements, spreadsheets, ratios, and concepts.
• Excellent verbal and written communication skills.
• Strong problem solving, decision making and research skills
• Ability to pay attention to details
• Good investigative skills
• Proficient with Microsoft Office Suite, SQL/relational databases and or related software