Credit Analysts at Pishon and Brooks Advisory Services

JOB OBJECTIVES

• Conduct comprehensive credit assessments for loan facilities, analyzing the financial health, business viability, and collateral of borrowers. This role is essential to maintaining portfolio quality while enabling rapid credit decisions that give Canary Point Finance competitive advantage.

KEY RESPONSIBILITIES

• Conduct thorough financial analysis of loan applications including review of financial statements, cash flow projections, and debt service coverage calculations
• Analyze business models, operating history, and industry dynamics of applicants to assess viability and risk
• Perform collateral valuation and assessment for various security types including receivables, inventory, property, and equipment
• Verify documentation including business registration, financial records, and collateral ownership
• Prepare comprehensive credit memoranda with clear recommendations for Credit Committee review, including risk ratings and pricing recommendations
• Conduct site visits to applicant business premises to verify operations and collateral existence
• Monitor existing portfolio through periodic reviews of customer financial performance and collateral coverage
• Analyze industry trends and risks for key sectors to inform credit decisions and portfolio concentration limits
• Support relationship managers with credit structuring advice and documentation requirements
• Maintain credit files and documentation in compliance with CBN requirements and internal audit standards

QUALIFICATIONS & EXPERIENCE

• Bachelor’s degree in Accounting, Finance, Economics, or related field; professional qualification (ACIB, ACA, ACCA, CFA) is an advantage
• Minimum 3-5 years of credit analysis experience in a bank or financial institution, preferably with SME or commercial lending exposure
• Experience analyzing various loan types including working capital, asset financing, and term loans
• Strong understanding of financial statement analysis, ratio analysis, and cash flow modeling
• Knowledge of collateral types and valuation methodologies
• Familiarity with CBN regulations for finance companies and credit risk management guidelines

SKILLS & COMPETENCIES

• Excellent financial analysis and modeling skills with proficiency in Excel
• Strong attention to detail for document verification and collateral assessment
• Good understanding of various lending products and structures
• Ability to analyze industry dynamics and competitive positioning of borrowers
• Clear written communication for credit memoranda preparation
• Time management skills to meet credit turnaround targets
• Interpersonal skills for site visits and customer interactions
• Problem-solving abilities to structure solutions for complex credit situations