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  • Posted: Oct 15, 2021
    Deadline: Oct 30, 2021
  • We are a professional outfit that offers a wide spectrum of strategic Human Resource Services; particularly - Innovative Staffing Solutions, Potent L&D Interventions and Flexible Outsourcing to both big and small organizations across different business sectors. Driven by a team of exceptional and immensely talented consultants with rich industrial exp...
    Read more about this company


    Credit Analyst

    • Ikoyi, Lagos, Nigeria

    Company Description

    Our client, a leading investment bank, whose focus is to create innovative products and long-term financing solutions to social developmental and economic problems with the aim of improving the well-being of the people, is looking to engage an experienced and result-driven Credit Analyst to join its team.

    The Credit Analyst will assess the creditworthiness of individuals and businesses, particularly for more complex and sophisticated transactions, to determine the risk involved in lending money or extending credit.

    Job Description

    • Analyze credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit.
    • For individuals: Responsible for performing research to verify employment and income, inspects reports from credit reporting agencies, and review credit scores.
    • For businesses: Responsible for comparing the business to similar businesses in terms of liquidity, profitability, and credit histories.
    • Evaluate customers’ financial status and produce financial ratios.
    • Compile information and compose reports detailing the degree of risk involved in the loan or credit request; recommends approval or denial based on results.
    • Set interest rates and minimum or maximum terms of repayment for customers based on earnings, savings data, payment history, and purchase activity.
    • Determine the expected profitability of loans by analyzing a business’s financial data including quality of management, income growth, and market shares.
    • Keep company credit exposure within set risk bearing limits.
    • Identify delinquent accounts through the review of individual or commercial customer files.
    • Complete ratios, trend and cash flows analysis and create projections.
    • Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner.
    • Carefully analyse data and produce clear and objective reports.
    • Routinely monitor loans for compliance.
    • Adhere to credit policy and guidelines.
    • Monitor corporate portfolio asset quality on an ongoing basis.
    • Draft models of credit information that predict trends and patterns.
    • Perform other duties as assigned.


    • Bachelor’s degree in Accounting, Economics, Finance, Statistics, or Mathematics required.
    • 5- 7 years of related experience required.
    • Excellent organizational skills and attention to detail.
    • Strong analytical and problem-solving skills.
    • Ability to prioritize tasks and to delegate them when appropriate.
    • Proficient with Microsoft Office Suite or related software

    Method of Application

    Interested and qualified? Go to Pivotage Consulting on to apply

    Note: Never pay for any training, certificate, assessment, or testing to the recruiter.

  • Send your application

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