Credit Analysts at Pishon and Brooks Advisory Services

Pishon & Brooks Advisory Services Limited (PBAS) is a professional services firm that supports her clients by managing their end-to-end HR Processes in order to enhance their productivity and growth aspirations.JOB OBJECTIVES

Conduct comprehensive credit assessments for loan facilities, analyzing the financial health, business viability, and collateral of borrowers. This role is essential to maintaining portfolio quality while enabling rapid credit decisions that give Canary Point Finance competitive advantage.

KEY RESPONSIBILITIES

Conduct thorough financial analysis of loan applications including review of financial statements, cash flow projections, and debt service coverage calculations
Analyze business models, operating history, and industry dynamics of applicants to assess viability and risk
Perform collateral valuation and assessment for various security types including receivables, inventory, property, and equipment
Verify documentation including business registration, financial records, and collateral ownership
Prepare comprehensive credit memoranda with clear recommendations for Credit Committee review, including risk ratings and pricing recommendations
Conduct site visits to applicant business premises to verify operations and collateral existence
Monitor existing portfolio through periodic reviews of customer financial performance and collateral coverage
Analyze industry trends and risks for key sectors to inform credit decisions and portfolio concentration limits
Support relationship managers with credit structuring advice and documentation requirements
Maintain credit files and documentation in compliance with CBN requirements and internal audit standards

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in Accounting, Finance, Economics, or related field; professional qualification (ACIB, ACA, ACCA, CFA) is an advantage
Minimum 3-5 years of credit analysis experience in a bank or financial institution, preferably with SME or commercial lending exposure
Experience analyzing various loan types including working capital, asset financing, and term loans
Strong understanding of financial statement analysis, ratio analysis, and cash flow modeling
Knowledge of collateral types and valuation methodologies
Familiarity with CBN regulations for finance companies and credit risk management guidelines

SKILLS & COMPETENCIES

Excellent financial analysis and modeling skills with proficiency in Excel
Strong attention to detail for document verification and collateral assessment
Good understanding of various lending products and structures
Ability to analyze industry dynamics and competitive positioning of borrowers
Clear written communication for credit memoranda preparation
Time management skills to meet credit turnaround targets
Interpersonal skills for site visits and customer interactions
Problem-solving abilities to structure solutions for complex credit situations