Credit Analyst Job at Keystone Bank Plc

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Job Title: Credit Analyst

Location: Lagos, Nigeria

Employer: Keystone Bank Plc

Specialization: Others

Job Level: Experienced Hire

Required Experience: 3 – 5 years

Required Banking Experience: 3 – 5 years

Job Description: Credit Analysis

Duties And Responsibilities:

•   Performing fundamental credit risk analysis and assigning internal credit ratings on commercial counterparties for enlistment.

•   Appraisal of retail and commercial credit proposals Bank wide.

•   Monitoring market, regulatory, macro economic and political developments and assessing their impact on the credit quality of counterparties.

•   Participating in client due diligence visits/calls as needed.

•   Liaising with Legal department on collateral/legal issues and to ensure identified risks are adequately addressed in the legal documentation for structured transactions and setting credit terms in the legal documentation for loan availment activity.

•   Prepare reports that include the degree of risk involved in extending credit or lending money. Assessing proposed transactions within the context of the transaction structure to ensure structural risks are properly identified and adequately mitigated.

•   Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity. Performing on-going monitoring, in conjunction with account management unit, on complex deals so that any early signs of distress or deviation from the expected performance are promptly identified.

•   Analyze Credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

•   Performing general problem solving of any issues arising across the Bank in relation to counterparties in the portfolio.

•   Provide analytical support segmenting and monitoring credit, concentration limits, etc. and make recommendations based on trends.

•   Liaison with CBN, NDIC and external auditors in respect of credit issues through the Head of Department. Handling complaints and enquiries from Branch Managers and internal customers.

•   Consumer loan processing (SALAD; Salary Advance), evaluation and review of consumer loans.

•   VISA card processing.

•   Conduct credit checks for Applicants.

Key Performance Indicators:

•   Turnaround Time for processing Credit Request

•   Teaming, Communication, Ethics and Professionalism

•   Processing Accuracy

•   Customer Satisfaction

Minimum Education Qualifications:

•         A good first degree from a reputable university

Post Graduate Qualifications: A relevant  post graduate qualification or higher degree (e.g. MBA, MSC) is prefarably

Professional Qualifications: Not Applicable

Skills And Competencies:

•   Must be able to learn quickly

•   Must be able to think laterally

•   Must possess advanced Microsoft office skills

•   Team player, flexibility, strong analytical and problem solving skills

•   Very good presentation skills

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