This full-time, on-site Credit Risk Officer role is based in Nigeria. The Credit Risk Officer will assess credit applications, analyze financial information, and determine creditworthiness in line with the Group's risk policies.
The role involves monitoring loan portfolios, identifying emerging risks, and recommending risk mitigation strategies and credit limits.
The individual will prepare risk reports and dashboards, support regulatory and internal audits, and collaborate with relationship managers and finance teams to ensure sound credit decisions.
The Credit Risk Officer will also participate in the development and refinement of credit risk frameworks, policies, and procedures to support sustainable portfolio growth.
Qualifications
Candidates should possess strong expertise in Credit Risk Management and Credit analysis.
Candidates should possess solid Analytical Skills and quantitative abilities for data-driven decision-making.
Candidates should possess good knowledge of Finance and Portfolio Management.
Candidates should possess familiarity with lending practices and SME credit environments.
Bachelor's degree in Finance, Economics, Accounting, Business, or a related field; professional certifications (e.g., CFA, FRM, CRM) are an advantage.
Experience in credit risk roles within banking, microfinance, or financial services, preferably with SME or retail portfolios.
Strong proficiency in spreadsheets and risk analysis tools, with attention to detail and accuracy.
Effective communication skills, ethical judgment, and ability to work collaboratively in a fast-paced environment.