Credit Analyst

Koins Bank, a member of Primera Africa
Group, is a fully licensed microfinance bank dedicated to providing innovative
financial solutions to businesses and individuals. Our goal is to enhance
financial inclusion by offering a comprehensive suite of services tailored to
meet the diverse needs of our clients. The bank is hiring an entry level Credit
Analyst.

Requirements

Job Description/Responsibilities:

Financial Statement Analysis:

• Analyze
  financial statements, credit reports and other relevant data to assess the
  creditworthiness of SME and private loan clients.
  
• Ascertain
  the Profitability, Liquidity, and Leverage ratio of the business to
  determine repayment capacity.
  
• Recommend
  eligible loan amounts for approval Credit Risk assessment
  
• Evaluate
  credit risk associated with loan request and provide recommendations on
  credit limits, terms and condition.
  
• Evaluate
  economic, socio political and regulatory factors that may affect the
  continuity or operations of the loan client.
  

Collateral Recommendation:

• Recommend
  appropriate collateral mix acceptable by the bank to act as a buffer in
  the event of loan default
  
• Ensure
  assets to be pledged as collateral are adequately valued by the Bank’s
  accredited valuers.
  
• Ensure
  the value of the asset to be pledged as collateral meets the Bank’s
  stipulated collateral coverage.
  

Loan Interview

• Communicate
  with clients to gather financial information, clarify credit report
  discrepancies and provide credit decisions.
  
• Visit
  the client’s business premises for advanced due diligence depending on the
  loan amount or threshold set by the bank.
  

Loan performance Review and Reporting

• Review
  the performance of loan portfolio on a monthly basis
  
• Generate
  a report to Management showing the collection efficiency rate of SME and
  private loans processed monthly.
  

Requirements / Qualifications

· Bachelor's degree/HND preferably in Banking and Finance,
Accounting, Business Administration, Economics. (other disciplines can be
considered)

· Minimum of 2 years’ experience as a credit analyst.

Benefits

·       Leave
Allowance

·       Hybrid
Work model

·       Comprehensive
medical coverage for employee and family

·       Competitive
salary

·       13^th month salary