Jobs at Mezcredit Finance Limited

CREDIT ANALYST JOB RESPONSIBLITIES

• Ensure that clients interested in taking loans are given the necessary information to access the loan.
• Collection of needed financial information/ documentation and assessing the clients’ credit worthiness.
• Calculation and analyzing of risk ratios of clients based on the client’s credit score and financial history.
• Recommendation of loans for approval/ Denial based on thorough analysis of client’s credit request.
• Maintaining the loan portfolio.
• Setting up payment plans for clients, and ensuring approved loans are promptly disbursed in line with management approval.
• Loan monitoring to ensure loan customers are keeping to the terms and conditions of the loan.

 Requirements:

• First Degree in Business, Accounting, Finance or similar field.
• A minimum of 2 years’ experience as a credit Analyst.
• Excellent knowledge of loan application procedures and best lending practices.
• Exceptional analytical skills and the ability to work with complicated financial data.
• Strong ethical behavior and the ability to work with sensitive financial information.
• Ability to analyze the business of clients and identify the credit risk associated with it and recommending mitigants where.

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Job Objectives:

• Building and managing strategic relationships for fixed deposit mobilization for the firm for new and existing clients or businesses.
• Manage HNI customers to place funds with the firm.
• Act as advisor to clients on the best way to place their funds based on sound industry knowledge as it relates to funds placement.
• Be a first point of support for client seeking to place their funds or manage their funds.

Duties and Responsibilities

• Sourcing for new and maintaining existing deposit clients.
• Develop and implement a business plan for identified target markets with identified volumes to drive high volumes of new deposits for the firm.
• Develop and implement a business plan to improve deposit mobilization and retention of deposit and also manage withdrawal attrition.
• Ensure that all fixed deposit clients duly complete firm fixed deposit form and registered.
• Advice clients on deposit placement with the firm.
• Innovate and improve ways of rewarding depositors in terms interest earnings on their fixed deposit.
• Work with the Business Team to ensure that due diligence is carried out in line with regulatory requirements to protect the interest of both the depositors and the organization.
• Marketing and sale of the firms deposit products
• Enhance and establish relationship with existing and prospective customers.
• Database acquisition to be used in penetrating and converting targeted prospects and market to meet assigned deposit target.
• Constant monitoring and update of clients deposit portfolio and prompt issuance of deposit certificates to client.

Requirements:

• Minimum two years’ experience in a similar role.
• Bachelor/Master Degree in Banking & Finance, Marketing or any other related role.

Required skills:

• Target and result oriented
• Possess excellent communication skill,
• Confident personality with good ability to relate with people to secure business for the firm.
• Must be able harvest relationships to provide a strong pool of pipelines for deposit.