• Application Deadline:
• Position: Credit Analyst



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 5 - 8 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Responsibilities

• Analyze credit data and financial statements of individuals or businesses to determine the degree of risk involved in lending.


• Evaluate client repayment capacity based on income, obligations, industry, and market trends.


• Review loan requests and ensure completeness of documentation.


• Verify identity, bank statements, collateral, credit history, and references.


• Use internal scoring systems or credit models to assess borrower risk.


• Make data-driven recommendations to approve, decline, or modify loan terms.


• Track and assess the performance of existing loan portfolios.


• Flag high-risk accounts and suggest appropriate mitigation or restructuring steps.


• Ensure all credit approvals are in line with company policies and regulatory standards (e.g., CBN guidelines).


• Maintain accurate and complete credit files for audit readiness.


• Prepare periodic credit reports, delinquency analysis, and loan performance metrics for management.


• Provide insights on credit trends and risk exposures.


• Work closely with Business Development Officers, Risk Managers, and Recovery teams.


• Assist in developing or refining credit policies and procedures.


• Occasionally interact with clients to clarify financial data or explain credit decisions.


• Educate clients on credit terms, loan obligations, and financial improvement strategies.

Requirements

• Interested candidates should possess a Bachelor's Degree with 5 - 8 years of experience.

Required Skills/Knowledge:

• Strong analytical and financial modeling skills


• Attention to detail and high integrity


• Knowledge of loan processing and risk management


• Familiarity with credit bureau systems (e.g., CRC, FirstCentral)


• Proficiency in Excel and credit analysis software


• Understanding of local and international credit laws/regulations.