Credit Analyst, Ibadan (Nigeria)

Company: RxAll Inc. | Nigeria

Job Title: Credit Analyst

Location: Ibadan

Employment Type: Full-Time

Deadline: Rolling until filled

About Us

RxAll Inc. is a Trusted Marketplace for Quality Medicines.

We provide an authentication platform through which regulators/pharmacies can authenticate medicines from pharma manufacturers & wholesalers.

We also deliver quality medicines from our pharma manufacturers & wholesaler network to hospitals, pharmacies and patients.

About the Role

The role holder will be a professional Credit Analyst who will be responsible to determine the credit worthiness of our RxPay customers.
You will analyze financial data to assess the entity legitimacy, business sensibility, capacity to payback and secured collections of credit applications of RxPay business customers

Responsibilities

• Assess and make decisions about prospective and existing customers using a range of criteria including credit viability, customer payment history, credit reports and customer credit-worthiness

• Gathering information about clients; reading financial documents; assessing, analysing and interpreting complicated financial information before financing customers’ credit applications on RxPay

• Visiting clients and undertaking risk analysis while keeping company’s credit exposures within set risk bearing limits

• Completing loan application forms and submitting to management for approval using credit-scoring systems for all credit amounts requested

• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.)

• Monitoring customers trend and cash flows analyses and create projections

• Helping to enhance the quality of credit applications and making recommendations about procedural/policy changes

• Determine in depth the degree of risk involved in a customer’s credit request and keeping knowledge of key issues up-to-date (for example legal, market risk and compliance issues)

• Routinely monitor loans for compliance and carefully analyse customers business position, and produce a clear and objective reports

• Ensure that customers adhere to credit policy and guidelines and draft models of credit information that predict trends and patterns

• Prepare credit committee reports and presentations for approval

Requirements

1. Proven working experience as a credit analyst or worked in risk management within the microfinance banking sector.
2. Must be able to prepare NPL reports
3. Strong bias for risk management and compliance with an eye for critical thinking
4. Up to date with legal, compliance and market risk related issues
5. Ability to analyze cash flows, leverage, collateral and customer strength
6. Strong communication and presentation skills
7. Sound judgement
8. B.Sc. degree in Business Administration, Risk Management, Economics, Financial Accounting, Statistics or related field

*Required Experience: *

Minimum of 2 - 4 years working experience
Salary: Negotiable
Schedule: Monday - Saturday

Application Process

Submit cover letter explaining why you’re the right fit for this role
Submit your CV/Resume

Note
Candidates must send in a cover letter along with their CV otherwise the resume will not be reviewed.
Only shortlisted candidates will be contacted.