SENIOR CREDIT ANALYST - SME LOANS

About Company:

Primera Africa Finance Group is a financial services firm that provides a range of services to clients across the African continent. Our goal is to provide bespoke financial solutions, in the most professional and efficient manner to meet our clients' individual needs. Primera Africa Finance Group is a financial services firm that provides a range of services to clients across the African continent. Our goal is to provide bespoke financial solutions, in the most professional and efficient manner to meet our clients' individual needs.

We operate in four major business areas: Securities Trading, Financial Advisory, Principal Investments and Consumer Finance. Based on our people's global experience and local knowledge, we are able to deliver the most advanced financial solutions, keeping in perspective the local nuances peculiar to each market to ensure our clients receive superior advice. Overall, each client benefits from our dedication to excellence, entrepreneurial thinking and long-term commitment to service.

Job Description:

• We are seeking a highly skilled Senior Credit Analyst to lead the assessment and evaluation of credit applications for SME loans.
• The ideal candidate will be responsible for conducting in-depth credit analysis, assessing risk, and making sound recommendations to support the company’s lending decisions. 
• This role requires strong analytical skills, sound judgment, and a deep understanding of SME business operations and financial statements.

Requirements:

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 requests and provide recommendations on credit limits, terms and conditions.
• Evaluate economic, socio-political and regulatory factors that may affect the continuity or operations of the SME client.

Collateral Recommendation:

• Recommend an 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 the SME portfolio on a monthly basis
• Generate a report to Management showing the collection efficiency rate of SME loans processed monthly.

Educational Qualifications

• BSc/HND
• CIBN/ MCP is an added advantage.

Benefits

• Hybrid work model
• 13th month salary
• Leave Allowance
• HMO​

Salary

Application Closing Date: Not specified

Application Instructions:

CLICK ON THE LINK BELOW TO APPLY