• Application Deadline:
• Position: Head of Credit



• Job Type Full Time



• Qualification BA/BSc/HND , Professional Certificate



• Experience 8 - 12 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Role Overview

• The Head of Credit is responsible for all credit appraisal, underwriting, and credit approval processes.


• The role focuses on maintaining high asset quality through disciplined credit assessment and portfolio monitoring.

Key Responsibilities – Credit

• Lead credit appraisal and underwriting for all loan requests


• Review loan proposals and recommend approval, decline, or restructuring


• Ensure compliance with approved credit policy and lending standards


• Assess borrower capacity, cash flows, and collateral adequacy


• Monitor portfolio performance and early warning signals


• Support loan restructuring and recovery strategies


• Provide credit input to management and credit committee

Educational Qualification

• Bachelor’s Degree in Finance, Accounting, Economics, Banking & Finance, or related field


• Professional qualification such as ACA, ACCA, CFA is an added advantage.

Experience Requirements:

• 8 – 12 years experience in credit management


• Strong hands-on experience in SME and corporate lending in Nigeria.

Skills & Competencies:

• Strong credit judgment and underwriting skills


• Financial statement and cash flow analysis


• Attention to detail and sound decision-making


• High integrity and independence of judgment.