Credit Analyst at Opticom Finance Limited

Key Responsibilities

• Review and analyze credit requests from individuals and corporate clients.
• Prepare credit memos, loan disbursement schedules, and offer letters.
• Draft loan and lease agreements and ensure all documentation is in order.
• Create and manage loan accounts in the company’s Core Banking System.
• Maintain accurate credit files and manage the filing system.
• Assist the Head of Risk Management with other duties as required.

Requirements

• Minimum of a BSc. or HND in Accounting or a related field.
• 2 - 3 years of post-qualification experience in a similar role.
• Excellent written and oral communication skills.
• Proficiency in MS Office, especially MS Excel.
• Technology-savvy with a strong understanding of credit analysis processes.

Key Performance Indicators (KPIs)

• Credit Approval Rate: Percentage of credit applications approved after analysis.
• Timeliness of Credit Processing: Meeting deadlines for preparing memos, agreements, and account creation.
• Accuracy of Credit Reports: Number of errors in loan/credit memos, disbursement schedules, and agreements.
• Portfolio Quality: Ensuring a low level of delinquent loans in the portfolio.
• Compliance with Risk Management Standards: Adherence to company policies and procedures in credit evaluation.