Somtochukwu

Job Summary

A digital bank seeks an experienced, data-driven, and detail-oriented Credit Risk Analyst to grow and manage its online loan portfolio.

• Minimum Qualification: Degree
• Experience Level: Senior level
• Experience Length: 3 years

Job Description/Requirements

Responsibilities:

Developing and maintaining models and expert scorecards for:

• Evaluating financial and demographic information of SMEs and employed clients to establish the creditworthiness of loan applications.
• Identifying, quantifying, and evaluating credit risks in relation to profitability and financial viability of clients’ business proposals within short time frames.
• Determining applicable ratios and feasibility of granting loan requests.
• Evaluating and validating the credibility of bank statements and other relevant information and documents.
• Maintain the credit exposure of the company within the approved credit risk appetite.
• Monitor the credit portfolio and evaluate the risk of potential default while recommending recovery solutions.
• Negotiate terms of repayment or loan restructuring on behalf of the company with defaulters.
• Reviewing relevant internal & external communications, such as circulars, economic Reviews on industries & financial or industry publications to ensure that any development, new requirements, or external risks are properly taken cognizance of in lending decisions.
• Weekly and monthly reporting on the profitability, and performance of the loan portfolio.
• Providing direction and leadership to teams in verification, the credit assessment, and data gathering to ensure their activities are in harmony with the company’s credit goals.

Skills:

• Strong numeracy and analytical skills.
• Strong presentation and communication skills
• Strong attention to detail and ability to notice discrepancies or misleading variables in data
• Perfect understanding of financial statements, ratios, and concepts
• Understanding of statistical modeling

Qualifications and Experience:

• 3+ years prior digital lending experience is a must
• Bachelor’s Degree in Business Administration, Finance, Accounting, Economics, or any other numerate discipline.
• A relevant Master’s degree or professional certification will be an advantage.

Apply Here

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