Junior Credit Analyst
JHM Investments
Total years of experience :4 years, 0 Months
• Processing and assessing clients for short term loan needs
• Loan disbursements
• Preparing branch reports and data capturing of all branch clients
• Marketing of company products
• Monitoring of fund usage to approved business loan clients
• Teaching new recruits on company products and procedures
• Client and documentation assessment customer due diligence and loan processing,
• Marketing the company’s products and customer on boarding
• Collecting daily repayments and preparing cash summaries.
• Preparing weekly and monthly reports for the operations manager.
• Prepared, examined, and analyzed accounting records, financial statements, and other financial reports to assess accuracy, completeness, and conformance to reporting and procedural standards.
• Computed taxes owed and prepared tax returns, ensuring compliance with payment, reporting and other tax requirements.
• Analyzed business operations, trends, costs, revenues, financial commitments, and obligations, to project future revenues and expenses and to provide advice.
• Reported to management regarding the finances of establishment.
• Established tables of accounts, and assigned entries to proper accounts.
• Developed, maintained, and analyzed budgets, prepared periodic reports that compare budgeted costs to actual costs.
• Developed, implemented, modified and documented recordkeeping and accounting systems, making use of current computer technology.
• Prepared forms and manuals for accounting and bookkeeping personnel, and directed their work activities.
• Surveyed operations to ascertain accounting needs and to recommend, develop, and maintain solutions to business and financial problems.
• Advised management about issues such as resource utilization, tax strategies, and the assumptions underlying budget forecasts.
• Provided internal and external auditing services for businesses and individuals.
• Advised clients in areas such as compensation, employee health care benefits, the design of accounting and data processing systems, and long-range tax and estate plans.
• Investigated bankruptcies and other complex financial transactions and prepared reports summarizing the findings.
• Represented clients before taxing authorities and provide support during litigation involving financial issues.
• Appraised, evaluated, and inventory real property and equipment, recording information such as the property's description, value, and location.
• Maintained and examined the records of government agencies.
• Served as bankruptcy trustees and business valuations.
Studying towards Association of Chartered Certified Accountants (ACCA) and I'm yet to attain my certificate in 2019 after completion of all parts.
B.Com Honors Degree in Banking and Finance with the Midlands State University.
