Credit / Risk Analyst at Greengates Group Limited

Greengates Group Limited is a multinational and majorly family held equity company established over 22 years ago to provide world class products and services in all the countries it operates.

From a vantage position, presence and partnerships with time tested and successful institutions in major industrialized and commercial capital in Europe, North America and Asia, we have acquired a world class solution to meeting our customers.

We are recruiting to fill the position below:

Job Title: Credit / Risk Analyst

Location: Lagos
Employment Type: Full-time

Job Overview

Our company is a finance house and we are hiring for a talented Credit/Risk Analyst professional to join our team. If you’re excited to be part of a winning team, Mezcredit finance Limited is a great place to grow your career.

Responsibilities

Analyze data to better understand potential risks, concerns and outcomes of decisions
Aggregate data from multiple sources to provide a comprehensive assessment
Create reports, summaries, presentations and process documents to display results
Collaborate with other team members to effectively analyze and present data
Develop systems and processes for gathering and storing data for future analytic projects
Conduct research into potential clients and understand the risks of accepting each one
Identify economic and financial trends that may present a risk to the company
Monitor internal and external data points that may affect the risk level of a decision
Ensure that clients interested in taking loans are given the necessary information to access the loan.
Collection of needed financial information/ documentation and assessing the clients’ credit worthiness.
Calculation and analyzing of risk ratios of clients based on the client’s credit score and financial history.
Recommendation of loans for approval/ Denial based on thorough analysis of client’s credit request.
Maintaining the loan portfolio.
Setting up payment plans for clients, and ensuring approved loans are promptly disbursed in line with management approval.
Loan monitoring to ensure loan customers are keeping to the terms and conditions of the loan.

Qualifications

One to five years of experience as an analyst in a similar company or related field
Demonstrated ability to prioritize tasks and meet daily deadlines for projects
Strong written and verbal communication skills to inform managers and other stakeholders of results
Proficiency in Microsoft Excel, Access, Visio and other analysis programs
Ability to manage multiple projects and programs at the same time to complete work
Critical thinking skills with the ability to independently solve problems with data
Quantitative and analytical skills with a demonstrated ability to understand new analytical concepts
Basic knowledge of programming languages, such as SQL and Python
Presentation skills, including public speaking and presentation creation using PowerPoint or a similar program
Excellent knowledge of loan application procedures and best lending practices.
Exceptional analytical skills and the ability to work with complicated financial data.
Strong ethical behaviour and the ability to work with sensitive financial information.
Ability to analyse the business of clients and identify the credit risk associated with it and recommending mitigants where necessary