About this role
Credit Analyst
Peridot Forte Solution Consulting - Our client in the financial services industry is recruiting to fill the position below:
Job Position: Credit Analyst
Job Location: Ikoyi, Lagos
Employment Type: Full-time (Hybrid)
Job Profile They are seeking a detail-oriented Credit Analyst to evaluate, monitor, and manage the company’s credit exposure, reduce lending risk, and maintain a healthy loan portfolio while ensuring sound lending decisions that protect company assets.
Job Summary
The Credit Analyst will be responsible for assessing the creditworthiness of individuals, businesses or counter parties and support sound lending/investment decisions. The successful candidate will analyze financial statements, evaluate risk, and provide recommendations that balance growth with prudent risk management.
Key Responsibilities
- Analyze financial statements, cash flow, and credit history to assess borrower risk.
- Prepare credit memos and risk ratings for loan/credit committee review.
- Monitor existing portfolio accounts for covenant compliance and early warning signs.
- Build financial models to project repayment capacity and stress-test scenarios.
- Research industry trends, market conditions, and competitor positioning.
- Collaborate with relationship managers, underwriters, and legal/compliance teams.
- Ensure analysis complies with internal credit policy and regulatory requirements.
- Recommend credit limits, terms, and pricing based on risk assessment.
Qualifications
- First Degree in Finance, Accounting, Economics, or related field.
- 2-5 years of credit analysis, underwriting, or related financial experience.
- Strong skills in financial statement analysis and modeling (Excel required).
- Familiarity with credit risk tools/software and rating methodologies.
- Excellent written and verbal communication for presenting findings.
- Detail-oriented with strong analytical and critical-thinking skills.