Credit Analyst

GTI Microfinance Limited was incorporated in August 2007 as a limited liability company and started its operations in 2008 at No. 127 Obafemi Awolowo Road, Ikeja. In October 2013, it was licensed as a State Wide Microfinance Bank and moved its Head Office to No. 4 Tinubu Street, Central Business District, Marina Lagos. Other branches are located at Mushin, Abattoir in Agege, Surulere and Arena.

Job Title: Credit Analyst

Locations: Lagos Mainland & Lagos Island, Lagos

Employment Type: Full-time

Responsibilities

• Evaluating and reviewing of clients’ credit proposals for approval decision based on credibility, potential revenue and losses to maintain a good balance between returns and risk exposures.
• Preparation of Credit Appraisal Memorandum (CAM).
• Conducting credit search from an approved Credit Bureau.
• Booking of loans in line with the credit policy and approved terms and conditions.
• Proper documentation and updating of the loan files.
• Collaborating with branches to achieve budgets on risk assets creation.
• Prompt and accurate monthly update of loans on the Credit Bureau and CRMS portal
• Render timely report to regulatory bodies (CBN, NDIC, etc.) when required.
• Preparing monthly Portfolio AT Risk (PAR) with a summary of loan loss provision required when assigned.
• Performing any other function as may be assigned by the Bank’s Management and Group Executives.

Requirements

• Bachelor’s Degree with relevant experience.

Competencies:

• Good knowledge of the bank’s, policies and regulations.
• Computer literacy and the ability to use Microsoft Office tools and various specialist applications such as core banking software, e.t.c.

Key Skills:

• Analytical/ Initiative Skills
• Excellent Interpersonal Skills & Customer Centric
• Ability to work under pressure
• Ability to work in team(s).
• Knowledge of data analysis and
• Performance/operation metrics.