Junior Credit Analyst at Bethsaida Limited

Location: Ibadan, Oyo

Description

• Daily generation and computation of the bank's PAR with (1) System PAR (2) Real PAR (3) Regulatory PAR (4) Analysis of the effects of the ratios
• Preparation of the loan officer PAR ratio against the next credit review meeting
• Compute and advise on the repayment amount due or loan paid off amount due upon request
• Reconcile credit files and identify variances and return to LPO for regularization
• Thorough analysis of loan appraisals (financial statement analysis and identifying risk involve) for all loans
• Keep up to date with the bank's lending protocols and ensuring compliance till paid off
• Analyze overdrawn account and making recommendations to the Head of credit for reversal or settlement by the customer
• Prepare and analyze the bank sectorial / industrial participation using models, graphs and ratios considering the regulatory requirement in order to advise and give direction to the bank
• Continuous review of loan accounts to ensure that all income earned are recorded and customers’ accounts correctly and completely credited /debited
• Populate and compute the credit ratios as required by the regulatory bodies on daily basis to determine the bank compliance and adjustments required
• Back up for the Credit Assuarance Officer / Loan Processing Officer as required
• Daily/Weekly report on other team members’ activities and report the bank daily PAR for measurement
• Monthly prepare of the department report on or before the 3rd working day of the month and submit to the Head of department for review
• Daily generation, computation and analysis of the bank par ratio.

Requirements

• Bachelor's Degree in Finance, Accounting or other Business-related fields
• 3 - 5 years of experience in similar role in a Microfinance banking sector
• Strong proficiency in MS Office and general computer use
• Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision
• Strong attention to detail and ability to notice discrepancies in data
• Impeccable understanding of financial statements, ratios, and concepts.