Credit Analyst at Guaranty Trust Holding Company (GTCO)

Full Time
Posted 4 weeks ago

Guaranty Trust Bank (GTB) is a multinational financial institution, that provides services like online/internet banking, retail banking, corporate banking, investment banking, and asset management services to a client or customer, with its headquarter located in Victoria Island, Lagos.

Credit Analyst at Guaranty Trust Holding Company (GTCO) 1

JOB TITLE: Credit Analyst

JOB LOCATION: Lagos, Nigeria

JOB DETAILS:

  • The Credit Risk Analyst will assist in assessing the creditworthiness of an individual or company.
  • This would be done by gathering financial/non-financial information about an obligor and making recommendations as appropriate on credits.
  • He/she should be up to date on the happenings in various industries to enhance the quality/requirements for credit applications and be able to make recommendations to the organization on procedural or policy changes.

Supervisory Responsibilities:

  • This position has no direct supervisory responsibilities but does serve as a coach and mentor for other positions in the department.

Duties / Responsibilities

  • Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them.
  • Review and analyze credit requests to determine financial and non-financial strengths, risk levels, and feasibility of proposed credit relationships and transactions.
  • Prepare reports and communicate regularly about the degree of risk in lending money to clients.
  • Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
  • Fill out loan applications and include the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval.
  • Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.

Education and Experience

  • Bachelor’s Degree in Finance, Accounting, or other business-related fields
  • Minimum of 4 – 5 years of experience
  • Professional qualification in; Financial Risk Management (FRM), Association of Chartered Certified Accountants (ACCA), Institute of Chartered Accountants of Nigeria (ICAN)

Required Skills/Abilities:

  • Superior quantitative analysis skills
  • Strong analytical and critical thinking skills
  • Good understanding of financial statements, spreadsheets, ratios, and concepts.
  • Excellent verbal and written communication skills.
  • Strong problem solving, decision making and research skills
  • Ability to pay attention to details
  • Good investigative skills
  • Proficient with Microsoft Office Suite, SQL/relational databases and or related software

APPLY NOW

Deadline: September 30, 2021

Job Features

Job CategoryAnalyst/ Quality Control