Credit Analyst
Credit Analyst
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Job Description
About the Role
We are seeking a qualified and results-driven Credit Analyst to join our team. This role is critical to assessing the creditworthiness of prospective borrowers supporting responsible lending decisions and maintaining a high-performing loan portfolio. The ideal candidate will possess strong analytical skills a good understanding of SME lending in Nigeria and a passion for contributing to inclusive finance.
Key Responsibilities
Credit Assessment & Analysis
Conduct detailed financial analysis and cash flow projections of loan applicants.
Evaluate credit applications and assess risk based on financial and non-financial metrics.
Review client documentation including business plans bank statements and invoices.
Risk Evaluation & Monitoring
Identify credit risks and recommend appropriate mitigation strategies.
Maintain and improve credit risk models and internal risk grading systems.
Proactively monitor active loan accounts to detect and manage delinquency trends.
Portfolio Management
Monitor the performance of credit portfolios (SME loans vendor finance etc.).
Recommend loan restructuring solutions when necessary.
Prepare reports on portfolio health for internal use and regulatory compliance.
Documentation & Compliance
Ensure proper documentation and adherence to credit policy and regulatory requirements.
Work closely with legal and compliance teams to fulfill KYC and AML obligations.
Stay updated on credit regulations market trends and financial sector developments.
Key Performance Indicators (KPIs)
Credit Decision Turnaround Time: 5 working days
Non-Performing Loan (NPL) Ratio: 5%
Credit Report Accuracy & Timeliness: 100%
Policy Compliance: 100% adherence to internal and CBN standards
Internal Stakeholder Satisfaction: 90% (survey-based)
Policy Contributions: 1 framework or policy input per quarter
Social Impact Support: 70% of loans aligned with impact segments (youth women underserved)
Requirements
Requirements & Qualifications
Bachelors degree in Finance Economics Business Administration or related discipline.
3 5 years experience in credit analysis preferably within a financial institution or impact-focused lender.
Strong knowledge of financial statement analysis credit risk modeling and SME lending.
Proficiency in Microsoft Excel credit scoring systems and financial modeling tools.
Sound understanding of the Nigerian financial services environment.
Core Competencies
Strong analytical and problem-solving skills
Excellent communication and report writing abilities
High level of professionalism and attention to detail
Ability to work under pressure and manage multiple priorities
Collaborative team spirit and strategic mindset
Benefits
Competitive net salary package
Health insurance (HMO)
Pension contributions in compliance with national regulations
Paid annual leave and public holidays
Training opportunities and career development support
Exposure to impact finance and SME ecosystem in Nigeria
Employment Type
Full Time
