A reputable financial services company in Abuja is seeking a detail-oriented and analytical Credit Risk Officer to evaluate, monitor, and manage the company’s credit exposure. The ideal candidate will assess borrowers, reduce lending risk, and help maintain a healthy loan portfolio. This role is critical to ensuring sound lending decisions and protecting company assets

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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.

• 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