Expires 4 weeks from now
Credit Analyst
full-time
Lagos
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Job Summary
The Credit Analyst will support the bank’s lending activities by conducting detailed credit assessments on retail and SME loan applications. The role requires strong analytical capability to evaluate customer affordability, cash flow, and repayment capacity, while ensuring adherence to the bank’s credit policies and regulatory guidelines. The goal is to build a quality loan portfolio while minimizing default risk.
Job Details
- Conduct credit appraisal for retail, micro, and SME loan applications, including income verification, cash flow analysis, and affordability assessment.
- Evaluate borrowers’ creditworthiness using financial and non-financial information (bank statements, business turnover, credit bureau reports, etc.).
- Prepare detailed credit memos with clear risk analysis and recommendations for approval or rejection.
- Support high-volume loan processing while maintaining accuracy and turnaround time (TAT).
- Ensure all credit decisions align with the bank’s risk appetite, credit policies, and regulatory requirements.
- Monitor approved loans and flag early warning signals for potential default.
- Work closely with Business Development and Collections teams to ensure proper loan booking and recovery tracking.
- Review loan documentation to ensure completeness and compliance before disbursement.
- Track and report on portfolio performance, delinquency trends, and risk exposures.
- Support credit policy reviews and continuous improvement of lending processes.
- Address client inquiries and provide financial advisory support.
- Support management in strategic decision-making.
- Identify potential risks (industry, market, operational, and borrower-specific risks) and assign a risk rating or credit score to guide decision-making
Requirements
- Conduct credit appraisal for retail, micro, and SME loan applications, including income verification, cash flow analysis, and affordability assessment.
- Evaluate borrowers’ creditworthiness using financial and non-financial information (bank statements, business turnover, credit bureau reports, etc.).
- Prepare detailed credit memos with clear risk analysis and recommendations for approval or rejection.
- Support high-volume loan processing while maintaining accuracy and turnaround time (TAT).
- Ensure all credit decisions align with the bank’s risk appetite, credit policies, and regulatory requirements.
- Monitor approved loans and flag early warning signals for potential default.
- Work closely with Business Development and Collections teams to ensure proper loan booking and recovery tracking.
- Review loan documentation to ensure completeness and compliance before disbursement.
- Track and report on portfolio performance, delinquency trends, and risk exposures.
- Support credit policy reviews and continuous improvement of lending processes.
- Address client inquiries and provide financial advisory support.
- Support management in strategic decision-making.
About Company
ARM Holding Company Limited
Asset & Resource Management Company Limited (ARM) was founded in 1994 as an asset management firm.We provide a broad range of unique wealth creation services by offering traditional asset management services as well as alternative investments through our private funds business. ARM currently manages total assets of circa N540 billion. Over the last twenty years, we have built a strong reputation both locally and internationally through in-depth, high-quality research, investment management expertise, and value-adding products and services. Our clients range from corporations to private and public institutions and include high net-worth investors and small savers.