Job Description
Job Description/Responsibilities:
Financial Statement Analysis:
• Analyze financial statements, credit reports and other relevant data to assess the creditworthiness of SME 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 SME 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 SME 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 SME portfolio on a monthly basis
• Generate a report to Management showing the collection efficiency rate of SME 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 an SME analyst.
Financial Statement Analysis:
• Analyze financial statements, credit reports and other relevant data to assess the creditworthiness of SME 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 SME 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 SME 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 SME portfolio on a monthly basis
• Generate a report to Management showing the collection efficiency rate of SME 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 an SME analyst.
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