Senior Credit Analyst Officer

The Senior Credit Analyst Officer oversees COPEDU Plc’s credit granting process by assessing client creditworthiness, ensuring compliance with credit policies, and minimizing bad debt risk. The role is responsible for optimizing credit portfolio performance, conducting periodic reviews of existing clients, and supporting sound lending decisions.

• Receive and review credit applications for analysis;
• Evaluate applicants’ creditworthiness, financial standing, and repayment capacity using appropriate credit scoring models;
• Analyze credit files, determine appropriate loan terms (including interest rates), and provide well-documented recommendations;
• Conduct collateral verification through site visits and prepare reports for the credit committee;
• Present and defend credit applications before the credit committee and approving authorities;
• Approve or recommend rejection of loan applications based on risk assessment and available data;
• Ensure compliance with the institution’s credit policy, procedures, and regulatory requirements;
• Monitor credit risk exposure, loan repayments, and bad debts;
• Follow up on loan disbursements and maintain accurate records of all company loans;
• Review and propose updates to credit policies in line with evolving risks and business needs;
• Collaborate with clients to negotiate loan terms where applicable;
• Prepare and submit periodic credit analysis reports;
• Perform any other related duties assigned by the supervisor

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