Credit Officer
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Credit Officer
About this role
Our client is a leading Microfinance Bank in Nigeria providing micro-banking services to individuals and SMEs.
Job Summary
The Credit Management Officer is responsible for evaluating credit applications, conducting detailed financial and credit analyses, recommending appropriate lending decisions, and monitoring approved credit facilities to ensure compliance with the Bank's credit policies and regulatory requirements. The role supports prudent credit administration, portfolio quality, and sustainable lending practices while minimizing credit risk and loan losses.
Key Responsibilities
- Evaluate loan applications and conduct comprehensive credit analyses.
- Conduct detailed financial analysis of individuals, SMEs, and corporate borrowers to determine repayment capacity and creditworthiness.
- Analyze financial statements, cash flows, bank statements, and business performance to support lending decisions.
- Conduct customer due diligence (CDD), Know Your Customer (KYC), and Anti-Money Laundering (AML) checks before loan approval.
- Verify customer information, collateral documentation, guarantor details, and supporting documents for completeness and authenticity.
- Prepare comprehensive credit appraisal memoranda with appropriate recommendations for Management and Credit Committee consideration.
- Assess collateral adequacy and recommend suitable security structures to mitigate lending risks.
- Ensure approved loans comply with delegated approval limits, internal policies, and CBN Prudential Guidelines.
- Monitor customers' financial performance and identify early warning signals that may affect loan repayment.
- Work closely with the Loan Monitoring Unit to track post-disbursement performance and ensure loan utilization aligns with approved purposes.
Requirements
- Bachelor's Degree in Banking, Finance, Economics, Accounting, Business Administration, or related discipline.
- Professional banking or accounting certification (ACIB, ACA, ACCA, CFA, or equivalent) is an added advantage.
- Minimum of 3–5 years' experience in credit administration, credit analysis, or lending within a microfinance bank.
- Strong understanding of CBN Prudential Guidelines, financial analysis, and credit risk management.
- Excellent report writing and analytical skills.
Frequently Asked Questions
Is the salary disclosed for the Credit Officer position at alanandgrant?
The salary for this Credit Officer role at alanandgrant is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Credit Officer position at alanandgrant located?
This Credit Officer role at alanandgrant is based in Lagos, Nigeria. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the Credit Officer role at alanandgrant full-time or part-time?
This is listed as a Full time position. It is posted as a Credit Officer role at alanandgrant.
How do I apply for the Credit Officer position at alanandgrant?
Click the "Apply Now" button on this page. You will be redirected to alanandgrant's official application portal hosted on zohorecruit where you can submit your application directly.
When was the Credit Officer job at alanandgrant posted?
This Credit Officer position at alanandgrant was posted on Aug 9, 2026. Apply as soon as possible — early applications are often reviewed first.
Credit Officer
alanandgrant
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