Job Title: Credit Analyst
Location: Lagos Mainland, Lagos

Personal Trust is a Microfinance Bank in Lagos and a subsidiary of First Ally Capital Limited (FACL). Formerly known as Personal Trust Savings and Loans, the Bank was registered in 1993 and operated as a Mortgage Bank until its conversion to a Microfinance Bank in 2014. Personal Trust has a branch network at strategic locations in Lagos State and provides banking services to individuals, micro, Small and medium enterprises (MSME).

Duties and Responsibilities

* Ensure high quality evaluation of credit applications and customers to determine if they meet the eligibility and acceptability criteria of the bank in line with the credit policy and guidelines
* Ensure that all terms and conditions (pre and post disbursement conditions) of approval are met, and all security documents are in place prior to disbursement.
* Ensure on-site inspection and monitoring of customer’s businesses and collaterals when necessary
* Maintain control and custody of all security documents in conjunction with the legal department
* Research and evaluate credit applicant's financial status, references, credit and risk to determine the eligibility of the application
* Perform credit status inquiry and interfaces with Credit Bureaus.
* Ensure that adequate and timely loan loss provisions are made based on actual and expected losses.
* Ensure proper documentation of all incoming and outgoing credit document.
* Interview loan applicants and guarantors when necessary.
* Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk.
* Routinely monitor loans for compliance.
* Formulate and implement appropriate strategies and actions to maximize recovery of non-performing accounts and minimize credit loss.
* In conjunction with the remedial team, evaluate collateral and documentation to identify recovery/remedial strategy for restructured accounts.
* Any other responsibility assigned by Management.

Qualifications
HND / B.Sc in Accounting, Finance, Statistics or any related field.
Evidence of completion/ exemption of/from NYSC.
Experience:
Demonstrated experience as a credit analyst in a Microfinance Bank or any other financial institution.

Skills:
Strong financial analysis skills with the ability to prioritize and manage workflow under strict deadlines
Highly organized, detail oriented, with solid verbal and written communications skills
Persistence, flexibility and a high service orientation, as well as a reputation for dependability, professionalism and a commitment to team work.
Proficient in the use of MS Office suit.
Ability to multi task and handle pressure.

Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the mail.

Job Title: Credit Analyst
Location: Lagos Mainland, Lagos

Personal Trust is a Microfinance Bank in Lagos and a subsidiary of First Ally Capital Limited (FACL). Formerly known as Personal Trust Savings and Loans, the Bank was registered in 1993 and operated as a Mortgage Bank until its conversion to a Microfinance Bank in 2014. Personal Trust has a branch network at strategic locations in Lagos State and provides banking services to individuals, micro, Small and medium enterprises (MSME).

Duties and Responsibilities

* Ensure high quality evaluation of credit applications and customers to determine if they meet the eligibility and acceptability criteria of the bank in line with the credit policy and guidelines
* Ensure that all terms and conditions (pre and post disbursement conditions) of approval are met, and all security documents are in place prior to disbursement.
* Ensure on-site inspection and monitoring of customer’s businesses and collaterals when necessary
* Maintain control and custody of all security documents in conjunction with the legal department
* Research and evaluate credit applicant's financial status, references, credit and risk to determine the eligibility of the application
* Perform credit status inquiry and interfaces with Credit Bureaus.
* Ensure that adequate and timely loan loss provisions are made based on actual and expected losses.
* Ensure proper documentation of all incoming and outgoing credit document.
* Interview loan applicants and guarantors when necessary.
* Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk.
* Routinely monitor loans for compliance.
* Formulate and implement appropriate strategies and actions to maximize recovery of non-performing accounts and minimize credit loss.
* In conjunction with the remedial team, evaluate collateral and documentation to identify recovery/remedial strategy for restructured accounts.
* Any other responsibility assigned by Management.

Qualifications
HND / B.Sc in Accounting, Finance, Statistics or any related field.
Evidence of completion/ exemption of/from NYSC.
Experience:
Demonstrated experience as a credit analyst in a Microfinance Bank or any other financial institution.

Skills:
Strong financial analysis skills with the ability to prioritize and manage workflow under strict deadlines
Highly organized, detail oriented, with solid verbal and written communications skills
Persistence, flexibility and a high service orientation, as well as a reputation for dependability, professionalism and a commitment to team work.
Proficient in the use of MS Office suit.
Ability to multi task and handle pressure.

Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the mail.