CREDIT ANALYSTS AT KOINS MICROFINANCE BANK | CREDIT ANALYSTS JOBS IN LAGOS

About Company:

Koins Microfinance Bank Limited is a fully licensed technology and impact-driven microfinance bank that focuses on driving financial inclusion. Loans / Savings/ Investments.

Job Description:

We are looking for a sharp, detail-oriented Junior Credit Analyst to join our SME Lending team. In the world of SME finance, your role is the bridge between business growth and financial stability. Your mission is to dissect financial data, assess creditworthiness, and provide the insights needed to make informed lending decisions.

The ideal candidate possesses a mix of analytical rigor and "field-sense." You won't just be looking at spreadsheets; you will be conducting interviews, visiting business premises, and evaluating the macro-economic factors that impact an SME’s ability to repay. If you have at least 2 years of experience in credit analysis and a passion for helping businesses scale safely, we want you on our team.

Requirements:

1. Financial Forensics & Ratio Analysis

• Statement Deep-Dive: Analyze profit and loss accounts, balance sheets, and credit reports to establish a clear picture of a client’s financial health.

• Ratio Integrity: Calculate and interpret Profitability, Liquidity, and Leverage ratios to accurately determine a business’s debt-service capacity.

• Loan Structuring: Recommend eligible loan amounts, interest rates, and repayment terms that balance client needs with bank risk appetites.

2. Credit Risk & Macro Evaluation

• Risk Profiling: Evaluate the credit risk associated with SME requests, identifying potential "red flags" in cash flow or management.

• Environmental Assessment: Analyze economic, socio-political, and regulatory factors that could disrupt a client’s business continuity or industry.

• Collateral Stewardship: Recommend a robust collateral mix to serve as a buffer; ensure all pledged assets are professionally valued and meet the bank’s coverage thresholds.

3. Due Diligence & Portfolio Monitoring

• Field Diligence: Conduct site visits and client interviews to verify financial disclosures and evaluate the physical scale of operations.

• Portfolio Health: Review the performance of the SME portfolio monthly, identifying early signs of delinquency.

• Reporting: Generate monthly management reports highlighting collection efficiency rates and portfolio quality metrics.

Qualifications and Skills:

Professional Profile

• Education: Bachelor’s degree or HND in Banking and Finance, Accounting, Economics, or Business Administration.

• Experience: Minimum of 2 years of direct experience as an SME Credit Analyst.

• Analytical Skills: Strong ability to read between the lines of a bank statement and spot inconsistencies.

Core Competencies

• Communication: Ability to communicate credit decisions and clarify financial discrepancies with clients professionally.

• Due Diligence: A meticulous approach to site visits and background checks.

• Technical Savvy: Proficiency in Microsoft Excel and modern credit scoring software.

Salary

Application Closing Date: Not specified

Application Instructions:

Interested and qualified candidates should send their CV and Cover Letter to: careers@koinsbank.com using the Job title as the subject of the email.