Role Description
This is a full-time on-site role for a Credit Analyst at SoftAlliance in Lagos. The Credit Analyst will be responsible for analyzing credit data and financial information, assessing risk, and determining creditworthiness. Daily tasks may include evaluating loan applications, developing credit policies, and communicating with clients and financial institutions.
Job Responsibility
Review and analyze loan applications to assess the creditworthiness of applicants
Evaluate financial statements, credit reports, and other documentation to determine the applicant’s ability to repay
Verify the accuracy and completeness of all information provided by the applicant
Approve or decline loan applications based on the company’s credit policies & and risk appetite
Maintain detailed documentation supporting approval or rejection decisions for transparency and audit purposes
Communicate decisions to applicants clearly and professionally
Coordinate with operations and finance to ensure accurate and timely loan disbursements
Follow up on loan repayments and regularly reconcile customer accounts to ensure all repayments are accurately recorded Investigate discrepancies in repayment records and resolve issues
Initiate recovery strategy for non-performing loans that have exceeded 60 days
Attend to customer inquiries and complaints and close same within 24 hours
Generate reports on credit risk exposure, repayment trends, and portfolio performance for management
Qualifications
Credit Management and Finance skills
Analytical Skills Qualitative Analysis, Risk Assessment, Financial Analysis,
Regulatory Compliance, Customer Service, Microsoft Excel,
Strong Communication skills
Credit Risk and Risk Management certifications are a plus
Ability to perform credit analysis
Experience in financial services or banking
Bachelor’s degree in Finance, Accounting, Business, or a related field
Interested candidates should submit their resume and a brief cover letter indicating their preferred department(s) to hr@softalliance.com
Apply via :
hr@softalliance.com