Credit Analyst

Company Description NET Microfinance Bank is a CBN-licensed, NDIC-insured financial institution designed to serve ambitious individuals and growing businesses across Nigeria. The bank combines fintech-level speed and convenience with the trust and security of a regulated bank, offering modern banking that keeps pace with everyday life. NET Microfinance Bank focuses on empowering customers with reliable, accessible financial tools that support progress at every stage.

Role Description The Credit Analyst is a full-time, on-site role based in Abuja. The person in this role will assess credit applications from individuals and businesses, analyze financial statements and credit histories, and determine creditworthiness in line with internal policies and regulatory requirements. Day-to-day tasks include preparing detailed credit reports, recommending loan terms and conditions, monitoring existing credit portfolios, and identifying early warning signs of credit risk. The Credit Analyst will collaborate with relationship managers and risk teams to structure appropriate credit facilities, support collections efforts where needed, and contribute to continuous improvement of credit processes and models.

Qualifications

• Candidates should possess strong Credit Management and Credit analysis skills, including assessing loan applications and structuring facilities.
• Candidates should possess solid Analytical Skills, with the ability to interpret financial data, identify risk trends, and make data-driven decisions.
• Candidates should possess effective Communication skills to present credit findings clearly and collaborate with internal teams and customers.
• Candidates should possess a sound understanding of Finance, including financial statements, cash flow analysis, and lending principles.
• Relevant qualifications such as a bachelor’s degree in Finance, Accounting, Economics, or related field are preferred.
• Experience in microfinance, commercial banking, or credit risk analysis, and familiarity with Nigerian regulatory guidelines (e.g., CBN) are beneficial.
• Strong attention to detail, integrity, and the ability to work in a fast-paced environment with clear deadlines are important.

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