Fresh Jobs at Primera Africa Finance Group

Job Description

• We are seeking a highly skilled Senior Credit Analyst to lead the assessment and evaluation of credit applications for SME loans. The ideal candidate will be responsible for conducting in-depth credit analysis, assessing risk, and making sound recommendations to support the company’s lending decisions. This role requires strong analytical skills, sound judgment, and a deep understanding of SME business operations and financial statements.

Requirements

Financial Statement Analysis:

• Analyze financial statements, credit reports and other relevant data to assess the creditworthiness of SME clients.
• Ascertain the Profitability, Liquidity, and Leverage ratio of the business to determine repayment capacity.
• Recommend eligible loan amounts for approval

Credit Risk assessment:

• Evaluate credit risk associated with SME loan request and provide recommendations on credit limits, terms and condition.
• Evaluate economic, socio political and regulatory factors that may affect the continuity or operations of the SME client.

Collateral Recommendation:

• Recommend appropriate collateral mix acceptable by the bank to act as a buffer in the event of loan default
• Ensure assets to be pledged as collateral are adequately valued by the Bank’s accredited valuers.
• Ensure the value of the asset to be pledged as collateral meets the Bank’s stipulated collateral coverage.

Loan Interview

• Communicate with clients to gather financial information, clarify credit report discrepancies and provide credit decisions.
• Visit the client’s business premises for advanced due diligence depending on the loan amount or threshold set by the bank.
• Loan performance Review and Reporting
• Review the performance of SME portfolio on a monthly basis
• Generate a report to Management showing the collection efficiency rate of SME loans processed monthly.

EDUCATIONAL QUALIFICATIONS

• BSC/HND
• CIBN/ MCP is an added advantage​

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Job Description

• The Project Manager monitors the entire project management life cycle by developing plans and schedules, estimating resource requirements, defining milestones and deliverables, monitoring activities, evaluating and reporting accomplishments

Requirements

Strategic

• Recommend new techniques and technologies to achieve business goals
• Determine business roadmap and provide support in future business planning
• Develop action plans to overcome business challenges
• Recommend business improvements based on market and competitive trends
• Perform project management and reporting for assigned projects
• Build positive and trustful working relationships with internal/external custom-ers
• Maintain clear and complete knowledge in program management, business operations and procedures
• Drive execution of strategic projects that align with the corporate goals of the bank

Program Management

• Lead the end to end planning, delivery and control of projects or programs of the Bank.
• Manages all aspects of the project e.g. delivery, resource forecasts, project administration which includes financial and progress reporting.
• Ensure alignment with defined reporting standards and procedures for project and portfolio management.
• Develop strong relationships with all project stakeholders and prospective inter-nal clients.
• Organize assigned progress meetings and steering committees with senior management to influence decision making.
• Conduct risk analysis by proactively identifying and raising control deficiencies and driving diligent risk remediation for all projects within the Bank.
• Monitor the progress of all projects against agreed and documented time and budget targets while ensuring appropriate quality standards are maintained.
• Optimizing and improving processes and the overall approach

QUALIFICATIONS

• BSC/HND
• Training in any of the following: Project management, Agile project delivery and business analysis. PMP certification will be an added advantage