Credit Analyst in Lagos, Nigeria

at Standard Chartered Bank

Banking / Financial Services
Minimum Qualification
Bachelor's Degree
Required Experience
3 - 5 years
Employment Type
Full Time
Male or Female

Job Description

To analyse customers risk using credit skills, ratio analysis, cash flow projections using CreditMate platform, evaluation of parent support policies, credit grading and judgement of management and strategy. 

*To analyse customer and facility risk using program lending parameters set by the bank. 
*To jointly structure facilities with Relationship Managers to meet individual client's needs with a view to maximizing earnings and minimizing risk and bad debts. 
*To understand customer needs and inherent credit risk and act upon them. 
*To carry out research work and analyse market information so as to counter competitive pressures. 
*To ensure that all credits conform to Group and Local Credit Policy. 
*Monitoring of credit quality and risk with the Relationship Managers and SCS Team by highlighting early warning signs of credit deterioration. 
*Maintenance of Corporate database 
*Recommending minimum pricing ranges/risk margins using scorecard Methodology. 
*Regular review of credit worthiness of clients using account monitoring techniques 
*Train attached staff in order to assist in meeting customer requirements and to increase their efficiency, competency and productivity 
*Portfolio management & monitoring of Business Credit Applications. 
*Ensure you remain alert to the risk of money laundering and assist in the bank's efforts in combating it by adhering to the key principles in relation to: Identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers. 
*Ensure you are trained in combating money laundering0

Diversity and Inclusion
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.



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