Credit Officer

• 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.