GTCO Graduate Credit Analyst Recruitment 2021

Apply for GTCO Graduate Credit Analyst Recruitment 2021.

Guaranty Trust Bank Plc. (GTBank) is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market-leading financial products and services. Headquartered in Lagos, Nigeria and with subsidiaries in Cote D’Ivoire, Gambia, Ghana, Liberia, Kenya, Rwanda, Tanzania, Uganda, Sierra Leone and the United Kingdom, the Bank currently employs over 12,000 professionals and has Total assets and Shareholders’ Funds of ₦4.057trillion and ₦661.1Billion respectively.

At GTBank, we constantly strive to create the best outcomes for our customers and communities. Our strong service culture, efficient management, world class corporate governance standards and bias for innovation has enabled us maintain consistent year on year growth in customer base and profitability since inception. We are also passionate champions and enduring patrons of a wide range of Social Responsibility causes channelled towards improving access to Education, driving Community Development, promoting the Arts and and protecting the Environment.

As a Proudly African and Truly International Institution, we are fully invested in powering our continent’s progress. We are at the forefront of promoting enterprise and empowering small businesses, and our free business platforms, the GTBank Fashion Weekend and the GTBank Food and Drink Festival, are driving the growth of Africa’s fashion and food industries and helping to create new and global opportunities for the continent’s incredibly young population.

The GTBank vision is to become a Platform for Enriching Lives by building strong, value adding relationships with customers, stakeholders and the communities in which it operates. In line with this vision, we are constantly pioneering ground-breaking ideas that offer customers more value beyond banking, such as Habari, an integrated digital platform that connects customers to anything they need, from e-commerce to music, in one place. We are also revolutionizing access to consumer loans with our first-of-its-kind digital lending product, Quick Credit, which gives individuals and small businesses instant, real-time access to loans anytime, anywhere.

Over the years, GTBank has been the recipient of numerous notable awards for product and service innovation, corporate social responsibility and world class governance standards. In 2019, GTBank was recognized as the Best Bank in Africa and Best Bank in Nigeria, by the Euromoney Magazine and the Best Banking Group and Best Retail Bank Nigeria by World Finance Magazine. In the same year, GTBank also dominated the Central Bank of Nigeria’s Electronic Payment Incentive Scheme (EPIS) Efficiency Awards for the third year in row, taking home 8 of the 12 honours for banks at the forefront of driving the digitalization of financial services.

Job Summary:

The Credit Risk Analyst will assist in assessing the creditworthiness of an individual or company. This would be done by gathering financial/non-financial information about an obligor and making recommendations as appropriate on credits. He/she should be up to date on the happenings in various industries to enhance the quality/requirements for credit applications and be able to make recommendations to the organization on procedural or policy changes.

• This position has no direct supervisory responsibilities but does serve as a coach and mentor for other positions in the department.

Key responsibilities:

• Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
• Review and analyze credit requests to determine financial and non-financial strengths, risk levels, and feasibility of proposed credit relationships and transactions
• Prepare reports and communicate regularly about the degree of risk in lending money to clients
• Develop and prepare spreadsheets and models to support analysis of new and existing credit applications
• Fill out loan applications and include the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval
• Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence

• Bachelor’s degree in finance, accounting, or other business-related fields
• Minimum of 4 – 5 years of experience
• Professional qualification in; Financial Risk Management (FRM), Association of Chartered Certified Accountants (ACCA), Institute of Chartered Accountants of Nigeria (ICAN)

Required Skills/Abilities:

• Superior quantitative analysis skills
• Strong analytical and critical thinking skills
• Good understanding of financial statements, spreadsheets, ratios, and concepts
• Excellent verbal and written communication skills
• Strong problem solving, decision making and research skills
• Ability to pay attention to details
• Good investigative skills
• Proficient with Microsoft Office Suite, SQL/relational databases and or related software