Credit Management Officer at Alan & Grant | Nigeria

Alan & Grant is a prominent recruitment consultancy in Nigeria, currently seeking a diligent and analytical Credit Management Officer on behalf of a leading Microfinance Bank. This institution is dedicated to providing essential micro-banking services to individuals and Small and Medium-sized Enterprises (SMEs) across Nigeria. The successful candidate will play a crucial role in ensuring the financial health and responsible lending practices of the bank.

Job Overview

The Credit Management Officer will be instrumental in assessing the creditworthiness of loan applicants, ensuring compliance with lending policies, and proactively managing the credit portfolio. This role requires a keen eye for detail, strong analytical skills, and a commitment to supporting the bank’s mission of financial inclusion. The position is based in Lagos and is a full-time opportunity.

Key Responsibilities

• Evaluate loan applications from individuals and SMEs, assessing financial viability and credit risk.
• Conduct thorough financial and credit analyses, including reviewing financial statements, cash flow projections, and collateral.
• Prepare comprehensive credit reports and present recommendations on loan approval, terms, and conditions.
• Monitor loan performance and identify potential risks within the credit portfolio.
• Ensure adherence to the bank’s credit policies, procedures, and regulatory requirements.
• Liaise with clients to gather necessary information and explain lending requirements.
• Contribute to the development and refinement of credit risk assessment tools and methodologies.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• Proven experience in credit analysis, loan assessment, or a similar role within the financial services sector.
• Strong understanding of financial statements, credit scoring models, and risk management principles.
• Excellent analytical, problem-solving, and decision-making skills.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Strong communication and interpersonal skills.
• Knowledge of the Nigerian microfinance landscape is an advantage.

What We Offer

• The opportunity to join a reputable and growing Microfinance Bank.
• A dynamic and professional work environment.
• Competitive compensation and benefits package.
• Opportunities for professional development and career advancement.
• The chance to make a meaningful impact on individuals and SMEs in Nigeria.