Credit Risk Officer

5 days ago


Lagos, Lagos, Nigeria Bridge Credit (Pty)Ltd Full time
Job summary

A reputable and fast-growing non-bank financial institution is seeking a highly analytical and detail-oriented credit risk officer to join its credit & risk management team.

Min Qualification: Degree Experience Level: Mid level Experience Length: 3 years

Job descriptions & requirements

Responsibilities:

  • Assess, analyze, and validate loan applications across multiple credit products, including SME/Business Loans, Asset-Backed Loans (vehicles, equipment, etc.), LPO Financing, Invoice discounting, CNG Engine Conversion Financing, and Solar Energy Financing.
  • Conduct comprehensive financial analysis, including cash flow assessment, bank statement review, credit history evaluation, and business viability studies.
  • Evaluate collateral documentation, asset valuation reports, and ensure proper risk mitigation measures are in place.
  • Prepare detailed and well-structured credit appraisal reports with recommendations.
  • Ensure lending decisions comply with internal credit policies, regulatory guidelines, and risk management frameworks.
  • Monitor approved facilities to promptly identify early warning signals and recommend risk mitigation actions.
  • Work closely with the Credit, Legal, Recovery, and Business Development teams to ensure end-to-end credit quality.
  • Support portfolio performance tracking and contribute to the continuous improvement of credit risk processes.

Requirements:

  • Bachelor's degree in Finance, Accounting, Economics, or related field.
  • Minimum of 3–5 years' experience in Credit Risk, Credit Analysis, or Lending Operations within a Microfinance Bank, Commercial Bank, or Finance/Leasing Institution.
  • Strong financial analysis, modelling, and credit appraisal skills.
  • Good knowledge of SME financing, asset-backed lending, and working capital finance.

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