About Company
Access Bank Plc is a leading full-service commercial bank operating through a network of more than 600 branches and service outlets, spanning three continents, 12 countries and 36 million customers. As a financially robust and dominant bank in Nigeria, we are committed to sustainable banking practices and empowering our customers and communities. Our vision is to be the World’s Most Respected African Bank, and we achieve this through innovation, customer-centricity, and a dedicated team of professionals who are passionate about making an impact.
Job Description
Are you a meticulous financial professional with a keen eye for detail and a passion for risk assessment? Access Bank is seeking a talented Credit Analyst to join our dynamic team in Agbowa, Ikorodu. In this crucial role, you will be instrumental in evaluating the creditworthiness of potential and existing clients, ensuring sound lending decisions that align with the bank’s risk appetite and regulatory guidelines. You will analyze financial statements, conduct thorough industry and market research, and prepare comprehensive credit proposals. This position offers an exciting opportunity to contribute significantly to the bank’s growth and stability, working within a collaborative environment where professional development is highly valued. If you possess strong analytical skills, excellent communication abilities, and a commitment to excellence, we invite you to apply and become a part of a leading financial institution dedicated to empowering Africa.
Key Responsibilities
- Conduct comprehensive financial analysis of client's financial statements, including income statements, balance sheets, and cash flow statements.
- Assess credit risk by analyzing financial data, market trends, industry conditions, and macroeconomic factors.
- Prepare detailed credit proposals, risk assessments, and recommendations for new and existing credit facilities.
- Monitor existing loan portfolios to identify potential risks and recommend appropriate actions to mitigate them.
- Ensure compliance with the bank's credit policies, procedures, and regulatory requirements.
- Engage with clients and relationship managers to gather necessary financial information and clarify business operations.
- Present credit reports and recommendations to management and credit committees.
- Stay abreast of industry best practices, economic developments, and changes in credit regulations.
Required Skills
- Proven experience in credit analysis within the banking or financial services sector.
- Strong analytical and problem-solving skills with attention to detail.
- Excellent knowledge of financial modeling, accounting principles, and financial statement analysis.
- Proficiency in Microsoft Excel and other financial software.
- Solid understanding of credit risk assessment methodologies.
- Exceptional written and verbal communication skills.
- Ability to work independently and as part of a team in a fast-paced environment.
Preferred Qualifications
- Professional certification such as ACCA, ICAN, or CFA is a strong advantage.
- Master's degree in Finance, Economics, Business Administration, or a related field.
- Experience with credit scoring models and portfolio management software.
Perks & Benefits
- Competitive salary and performance-based bonuses.
- Comprehensive health insurance and wellness programs.
- Robust professional development and career growth opportunities.
- Generous paid time off and holidays.
- Employee discount programs and banking benefits.
- A supportive and inclusive work environment.
How to Apply
Interested and qualified candidates are encouraged to apply by clicking on the application link below. Please ensure your resume and cover letter highlight your relevant experience and qualifications for this role. Only shortlisted candidates will be contacted for an interview.