Business Credit Analyst needed at Zedvance Limited

Save 1 week ago

Job title : Business Credit Analyst

Job Location : Lagos

Deadline : July 10, 2024

Quick Recommended Links

Job Summary

  • The Business Credit Analyst will be responsible for analyzing the creditworthiness of businesses seeking loans and making recommendations on credit approvals and loan structures.
  • The ideal candidate should have experience in credit analysis, financial statement analysis, and risk assessment.


  • Evaluate the financial status of potential customers, monitor existing clients, perform risk assessments and make informed decisions while extending credit.
  • Analyze and assess the financial statements and credit history of existing and potential clients.
  • Review credit applications and perform credit checks.
  • Structure deals and perform risk assessments.
  • Make informed decisions backed by sound assessment.
  • Consult and negotiate with clients regarding financial transactions, payment terms, and credit limits.
  • Evaluate the creditworthiness of business loan applications by analyzing financial statements, credit reports, and other relevant information.
  • Determine the appropriate loan structure based on the client’s creditworthiness and the company’s risk appetite.
  • Assess risks associated with each loan and make recommendations to management regarding credit approvals and loan structures.
  • Collaborate with sales and operations teams to ensure smooth loan disbursement and repayment.
  • Develop and maintain relationships with borrowers, ensuring a high level of customer service and satisfaction.
  • Stay up to date with industry trends, regulatory requirements, and best practices in credit analysis.
  • Contribute to the development and improvement of credit policies and procedures.
  • Prepare reports and presentations for management on credit risk and portfolio performance
  • Handle multiple projects and submit applications on time.
  • Financial forecasting.
  • Keep abreast of financial news and trends.


  • Bachelor’s degree in Finance, Accounting, Economics, Statistics or any numerate field.
  • Minimum of 4-5 years of experience in credit underwriting and product operations, preferably in a financial services institution.
  • Good understanding of business, economic, and industry risks.
  • Strong analytical skills with the ability to interpret financial statements, credit reports, and other relevant data.
  • Ability to assess credit risk and make recommendations based on analysis.
  • Excellent communication and interpersonal skills, with the ability to build and maintain strong relationships with borrowers and other stakeholders.
  • Proven ability to work independently and as part of a team.
  • Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint).
  • Ability to practice due diligence.
  • Good critical-thinking skills; ability to effectively gather data, analyze and make well informed decisions.
  • Desire and aptitude for learning new concepts on the job.
  • Strong problem-solving skills and ability to navigate complex technical issues.
  • Proactiveness; going beyond the obvious, gathering complex data to get to the heart of issues.
  • Time management – Ability to prioritize tasks, multi-task, manage deadlines and work efficiently.
  • Ability to thrive in a fast-paced and dynamic environment.

How to Apply for this Offer

Interested and Qualified candidates should Click here to Apply Now

  • Accounting / Financial Services  jobs
  • Business Credit Analyst jobs

Share this job

Connect with us