Norrenberger Financial Group Credit Risk Analyst Jobs in Nigeria
Norrenberger Financial Group Credit Risk Analyst Jobs in Nigeria
Job Summary The Credit Analyst officer will evaluate clients' credit data in order to determine the degree of risk involved in lending money to them. Prepare reports about the degree of risk in lending money to clients. Analysing client records and using the data to recommend payment plans.
The main responsibilities of the position include:
Review and provide feedback about the completed loan application form on any missing or unclear documents in the application thereby ensuring all required supportive documents for the credit analysis have been submitted
Conduct credit evaluation/ analysis for retail and MSME clients and make appropriate recommendation in line with credit policy
Ensure proposed facility are structured appropriately in line with transaction dynamics, repayment structure and customer’s cash flow.
Ensure compliance to target market, risk acceptance criteria and overall Credit policy
Conduct Risk Rating and Credit scoring for all loan request
Conduct financial and non-financial business analysis on proposed request and interpret generated financial ratios/ performance indicators
Recommend credit for final approval, follow-up with the required DLA to ensure request are approved timely and communicate approval to market facing units
Ensure that all pre-disbursement conditions are met
Ensure that limits are monitored; maturing repayments and all receivables on accounts are collected
Identification of credit-related early warning signals and flagging likely problems before they crystallize
Prepare on a timely basis, the rendition of all relevant regulatory returns
Liaise with Financial Control Department (FINCON) to prepare Capital Adequacy Ratios and loan impairment in line with CBN prudential guidelines and IFRS requirements
Credit call visits to customers with relationship management team.
Liaise with Legal Unit and ensure that all security documentations comply with terms of approval and are enforceable
Ensure proper filling of customer loan documentation in line with the requirement of the CBN prudential guideline
Builds relationship with RMs and Relationship/platform Officers to improve quality of business proposals and turnaround time on credit evaluations.
Perform Credit status enquiry and act as interface to other Credit bureaus with regards to submission of data (CRMS, CR, CRC etc.)
Review of Credit portfolio for sustained quality, performance and compliance with approved
terms and conditions as well as Credit policy
Identify deteriorating accounts for prudential classification and transfer to the recovery team
Revise and propose changes to existing Credit Risk policies
Prepare relevant risk reports for the Risk Management Committee and relevant Board committees
Staff training internally (credit staff) and externally as may be required
Carry out such other duties that may be delegated to it by Head, ERM.
Qualification, Experience & Skills
Minimum of 6 years post-NYSC experience in Credit Risk Management from a financial institution
Experience in Credit Administration and delinquent management will be an added advantage.
Minimum of a B.Sc. preferably in Accounting / Finance, Economics or Business Admin
Professional qualification such as ACA, ACCA will be an added advantage
Good knowledge of CBN policies on credit and loan administration
Strong proficiency in analyzing and evaluating financial information
Knowledge of retail banking and micro-lending
Required Knowledge, Skills and Abilities:
Computer proficiency particularly with spreadsheet
Attention to detail; thorough, particular and accurate
A demonstrated knowledge of finance, accounting and risk management
Communicate in clear, concise and effective written and verbal formats
Excellent interpersonal skills
Energetic and with sound decision-making skills
How to Apply
Interested and qualified candidates should send their Resume to:
recruitment@norrenberger.com using the Job Title as the subject of the mail.
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