New Agent mode

Credit Analyst at Koins Microfinance Bank

Koins Microfinance Bank

Apply Before

Aug 12, 2026

Place of work

Abia

Employment type

Requirnment

Job Description / Responsibilities
Financial Statement Analysis:
Analyze financial statements, credit reports and other relevant data to assess the creditworthiness of SME and privatel loan clients.
Ascertain the Profitability, Liquidity, and Leverage ratio of the business to determine repayment capacity.
Recommend eligible loan amounts for approval Credit Risk assessment
Evaluate credit risk associated withloan request and provide recommendations on credit limits, terms and condition.
Evaluate economic, socio political and regulatory factors that may affect the continuity or operations of the loan client.
Collateral Recommendation:
Recommend appropriate collateral mix acceptable by the bank to act as a buffer in the event of loan default
Ensure assets to be pledged as collateral are adequately valued by the Bank’s accredited valuers.
Ensure the value of the asset to be pledged as collateral meets the Bank’s stipulated collateral coverage.
Loan Interview:
Communicate with clients to gather financial information, clarify credit report discrepancies and provide credit decisions.
Visit the client’s business premises for advanced due diligence depending on the loan amount or threshold set by the bank.
Loan performance Review and Reporting:
Review the performance of loan portfolio on a monthly basis
Generate a report to Management showing the collection efficiency rate of SME and private loans processed monthly.
Requirements / Qualifications
Bachelor''s degree/HND preferably in Banking and Finance, Accounting, Business Administration, Economics. (other disciplines can be considered)
Minimum of 2 years’ experience as a creditanalyst.