Credit Analyst Lead at Winock Solar Nigeria Limited

Job Summary

• The credit analyst team lead is responsible for the proper organization of credit analyst unit, fast and reliable decision-making process, and efficient cooperation between the business and credit administration units.

Major Responsibilties

• Organizes credit analysts to review and evaluate loan applications submitted by Loan Officers to identify potential risks of the borrower
• Conduct training for branch staff oncredit assessment in conjunction with HR department.
• Take partinanalyzing industry & segment riskandrecommend appropriate approval criteria.
• Involvement in product development to reflect market requirement & release to improve the company profitability & substantially.
• Cooperate with different department & work with branches to solve the operational & credit related issues
• Proper and fast redistribution of loan applications, ensuring the highest processing speed of applications.
• Assists credit analysts to verify the accuracy of information received and calculations made during the financial analysis.
• Propose changes and improvements to the existing process to achieve maximum efficiency in the decision-making process
• Evaluate the performance of loan officers and PMs in their ability to conduct proper financial analysis of potential borrowers
• Identify and report suspicious transactions and decisions to management
• Guarantee the confidentiality of processed information, both clients and institution
• Develop and enhance the Credit Reporting & Monitoring framework which meets the requirements of various external & internal stakeholders.
• Recommend for Approval or rejection of loan requests, based on credibility, financial analysis and evaluation of the loan requests
• Upload data on credit customers to the credit bureau portals every month.
• Ensure compliance with all credit policies, procedures and regulations.

Requirements

• Candidates should possess a Bachelor's Degree with a minimum of 5 years experience.

Key Skills and Ccompetencies:

• Good organizational, communication and presentation skills
• Experience in credit underwriting of microfinance clients
• Experience in staff management
• Ability to make independent decisions
• Good time management
• Strong educational skills