Responsibilities:
Credit Assessment & Underwriting:
- Review and analyse loan applications from individuals and businesses.
- Assess borrower creditworthiness using financial statements, bank statements, credit reports and business performance data.
- Conduct risk scoring and recommend approval, decline, or loan restructuring.
- Prepare credit memos and risk reports for management decisions.
Financial Analysis:
- Analyse income, cash flow, debt ratios and repayment capacity.
- Evaluate business models, industry risks, and economic trends.
- Perform stress testing and scenario analysis.
Portfolio Risk Monitoring:
- Monitor existing loan portfolio for early warning signs.
- Track loan performance and repayment behaviour.
- Identify high-risk accounts and recommend mitigation actions.
- Support loan restructuring and recovery strategies.
Policy & Compliance:
- Ensure lending decisions comply with company credit policy.
- Help develop and update credit risk frameworks and procedures.
- Maintain proper documentation and audit trail for all credit files.
- Support regulatory and internal audit requirements.
Reporting:
- Prepare weekly/monthly credit risk reports.
- Provide portfolio health dashboards and insights.
- Present findings and recommendations to management.
Requirements:
- Bachelor’s degree in finance, accounting, economics, banking, or a related field.
- Professional certifications in credit risk management are a plus
- 3 years of experience in lending, microfinance / Fintech / Investment firms, Credit analysis or risk management
- Financial statement analysis
- Credit risk modelling
- Excel / Google Sheets (advanced)
- Knowledge of lending lifecycle
- Understanding of Nigerian credit environment & regulations
Soft Skills:
- Strong analytical and critical thinking skills
- High attention to detail
- Strong written and verbal communication
- Ethical judgement and integrity
- Ability to make data-driven decisions
Nice-to-Have:
- Experience in SME lending or consumer lending
- Experience with credit scoring tools or loan management software
