Credit Analyst Officer

Your tasks

• Credit Analysis and Loan Assessment
• Review loan applications and assess applicants' creditworthiness using financial records, credit history, repayment capacity, and other relevant information.
• Conduct credit checks and identify potential risks associated with loan applications.
• Evaluate applicants' financial positions and recommend loan approvals, rejections, or adjustments based on established credit policies.
• Ensure all credit assessments comply with the company's lending policies, procedures, and applicable regulatory requirements.
• Prepare accurate credit assessment reports and maintain proper documentation of loan decisions.
• Collaborate with internal departments to facilitate efficient loan processing and disbursement.
• Debt Recovery and Portfolio Management
• Monitor loan portfolios and follow up on overdue accounts to ensure timely repayment.
• Contact delinquent customers through telephone calls, emails, and field visits to recover outstanding debts.
• Negotiate repayment arrangements and restructuring options with customers in line with approved company policies.
• Track repayment commitments and follow up with customers to ensure agreed payment schedules are met.
• Identify high-risk and delinquent accounts and escalate them for appropriate management action.
• Work with the legal team on escalated recovery matters, including litigation and asset repossession where applicable and legally permissible.
• Maintain accurate records of recovery activities, customer engagements, repayment arrangements, and outstanding balances.
• Prepare regular reports on loan performance, overdue accounts, recovery progress, and credit risk.
• Guide relevant internal teams on credit control and debt recovery procedures.

Requirements

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related discipline.
• Completion of the National Youth Service Corps (NYSC) programme is mandatory.
• 3–5 years of relevant work experience in credit analysis, credit control, loan administration, or debt recovery within the financial services sector is mandatory.
• Proven experience in loan assessment, credit risk evaluation, collections, and debt recovery.
• Proficiency in Microsoft Excel, Word, and PowerPoint.
• Strong analytical, numerical, and problem-solving skills.
• Excellent negotiation, interpersonal, and customer relationship management skills.
• Strong written and verbal communication skills.
• Excellent attention to detail, record-keeping, and reporting abilities.
• Ability to manage multiple accounts, meet recovery targets, and work effectively in a fast-paced environment.
• Strong organisational skills, accountability, and professional judgement.

What we offer

• Remuneration: NGN 150,000 – 180,000 monthly, slightly negotiable.
• Transport allowance.
• Airtime allowance.
• Other benefits as determined by management.