CREDIT ANALYST

Description
To assess the creditworthiness of loan applicants, analyze financial data, evaluate risks, and provide recommendations on credit facilities to ensure sound lending decisions while minimizing the bank’s exposure to bad debts.
Analyze borrowers’ financial statements (balance sheets, income statements, and cash flow statements) to assess financial performance, sustainability, and overall financial health.

Assess credit risk and determine the creditworthiness of individual, SME, and corporate customers using financial ratios, historical performance, and relevant industry benchmarks.
Prepare detailed credit appraisal reports and loan proposals, providing clear recommendations on facility type, amount, tenor, pricing, and risk mitigants.
Evaluate the quality, adequacy, and enforceability of collateral offered, including landed property, inventory, receivables, guarantees, and other acceptable securities.
Conduct industry and market analysis to understand sector trends, competitive dynamics, and potential risks that may impact borrower performance.
Perform customer due diligence, including verification of customer information, review of documentation, and participation in site visits where required.
Apply credit scoring and risk rating models to quantify borrower risk and recommend appropriate credit limits and structures.
Monitor the credit portfolio to track exposures, identify early warning signals, and recommend timely risk mitigation or remedial actions.
Ensure all credit assessments and approvals comply with Access Bank Cameroon’s credit policy, COBAC/BEAC regulatory requirements, and internal control standards.
Present well‑structured credit recommendations to Credit Committees or approving authorities, clearly articulating risks, mitigants, and justifications.
Requirements
A good first degree in Accounting, Finance, Economics, Banking, or a related discipline. A relevant Master’s degree or professional certification (e.g., ACA, ACCA, CFA, FRM) will be an advantage.
A formal training in Financial Analysis, Credit Risk Management, Corporate Finance is an added advantage.
Minimum of 3–5 years post-qualification experience in credit analysis, credit risk management, or relationship management within the financial services industry.

HOW TO APPLY ? 

All applications must be submitted ONLINE at : https://apply.workable.com/access-bank/ 

Interested candidates are advised to submit their applications on or before Tuesday, April 21, 2026, as late applications will not be considered.