Keystone Bank is a full service commercial bank wholly owned by the Asset Management Corporation of Nigeria (AMCON) and was granted banking license on August 5, 2011, by the Central Bank of Nigeria (CBN). The Bank has met and exceeded all capital and capital adequacy requirements of the CBN and assumed the deposit liabilities, certain other liabilities and assets of former Bank PHB Plc, following the revocation of the erstwhile bank’s operating License by the CBN.

Keystone Bank is recruiting for the position of:


Job Location: Any City, NG

Job Description: Credit Analysis.

Duties/ Responsibilities:
Performing fundamental credit risk analysis and assigning internal credit ratings on commercial counterparties for enlistment.
Appraisal of retail and commercial credit proposals Bank wide
Monitoring market, regulatory, macro economic and political developments and assessing their impact on the credit quality of counterparties
Participating in client due diligence visits/calls as needed
Liaising with Legal department on collateral/legal issues and to ensure identified risks are adequately addressed in the legal documentation for structured transactions and setting credit terms in the legal documentation for loan availment activity.
Prepare reports that include the degree of risk involved in extending credit or lending money. Assessing proposed transactions within the context of the transaction structure to ensure structural risks are properly identified and adequately mitigated.
Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity. Performing on-going monitoring, in conjunction with account management unit, on complex deals so that any early signs of distress or deviation from the expected performance are promptly identified
Analyze Credit data and financial statements to determine the degree of risk involved in extending credit or lending money
Performing general problem solving of any issues arising across the Bank in relation to counterparties in the portfolio
Provide analytical support segmenting and monitoring credit, concentration limits, etc. and make recommendations based on trends.
Liaison with CBN, NDIC and external auditors in respect of credit issues through the Head of Department. Handling complaints and enquiries from Branch Managers and internal customers
Consumer loan processing (SALAD; Salary Advance), evaluation and review of consumer loans
VISA card processing
Conduct credit checks for Applicants.

Key Performance Indicators:
Turnaround Time for processing Credit Request
Teaming, Communication, Ethics and Professionalism
Processing Accuracy
Customer Satisfaction.

A good first degree from a reputable university

Post Graduate Qualifications:
A relevant post graduate qualification or higher degree (e.g. MBA, MSC) is preferably.

Skills And Competencies:
Must be able to learn quickly
Must be able to think laterally
Must possess advanced Microsoft office skills
Team player, flexibility, strong analytical and problem solving skills
Very good presentation skills

Mode of Application
Interested and qualified candidates should:
Click here to apply online


6th September, 2013