Credit Analyst at PecanTrust Microfinance Bank Limited

PecanTrust Microfinance Bank Limited is a Central Bank of Nigeria Licensed, for-profit making institution dedicated to supporting early stage, small and medium-sized enterprises ‘SME’, the informal working class and low income families through providing access to finance, entrepreneurship training, a network of mentors and facilitating business partnerships.

We are recruiting to fill the position below:

Job Title: Credit Analyst Location: Lagos

Key Responsibilities

• Preparation of the loan officer PAR ratio
• Execution of other task as assigned by the head of the department
• Compute and advise on the repayment amount due or loan paid off amount due upon request
• Prepare and analyse the bank sectorial / industrial participation using models, graphs and ratios considering the regulatory requirement in order to advise and give direction to the bank
• Continuous review of loan accounts to ensure that all income earned are recorded and customersТ accounts correctly and completely credited /debited
• Populate and compute the credit ratios as required by the regulatory bodies on daily basis to determine the bank compliance and adjustments required
• Reconcile credit files and identify variances and return to LPO for regularization
• Thorough analysis of loan appraisals
• Keep up to date with the bank's lending protocols and ensuring compliance
• Analyze overdrawn account and making recommendations to the Head of credit for reversal or settlement by the customer
• Execution of other task as assigned by the head of the department

Educational Qualifications and Requirements

• Bachelor's Degree in Finance, Accounting, or other business-related fields
• Two to four years of work experience in a similar role
• Strong attention to detail and ability to notice discrepancies in data
• Impeccable understanding of financial statements, ratios and concepts
• strong proficiency in MS office and general computer use
• Ability to effectively manage competitive deadlines for projects in a high-pressure work environment, with varying degree of supervision

How to Apply Interested an qualified candidates should forward their Cover Letter and CV to: [email protected] using the job title as the subject of the mail