Credit Analyst

PLEASE READ THE FULL JD BEFORE APPLYING. INCOMPLETE APPLICATIONS WILL AUTOMATICALLY BE DISQUALIFIED.

About the Opportunity

Our client is a dynamic and fast-growing financial services company dedicated to providing accessible and innovative credit solutions to businesses in Nigeria. They are a key player in the SME lending space, empowering companies to achieve their growth objectives.

As they continue to expand their portfolio, they are seeking an experienced Credit Analyst to join their team. This role is crucial for driving sound credit decisions, managing risk, and ensuring the continued health of their lending operations. This is an excellent opportunity for a detail-oriented professional with deep expertise in SME credit to make a significant impact in a thriving and supportive environment. The role is based in Lagos.

Application Process & Qualifying Questions

To apply, please submit your CV and a covering letter, which should include the answers to the following qualifying questions. Incomplete applications will not be reviewed:

Please describe your hands-on experience with LPO financing and invoice discounting. What was the typical size of the deals you assessed?

What is your process for conducting due diligence on a new credit application, particularly for verifying documents like purchase orders and contracts?

Can you provide an example of a complex credit recommendation you prepared? What was the situation, and what was the outcome?

This role is full-time and based in Lagos. Can you confirm your availability to work from the office?

What are your monthly net salary expectations, and what is your current notice period?

Key Responsibilities

Evaluate credit applications with a primary focus on LPO financing and invoice discounting facilities.

Conduct thorough risk analysis of applicants by assessing financial statements, bank records, and other relevant data.

Conduct detailed due diligence, including the validation of crucial documents like purchase orders, invoices, and contracts.

Prepare and present comprehensive credit reports and recommendations to the credit committee or management.

Monitor the performance of the existing loan portfolio to identify early warning signs of potential defaults.

Collaborate with the collections team on recovery processes for non-performing loans.

Ensure that all credit activities comply with the company's internal policies and regulatory requirements.

Ideal Candidate Profile

A degree in Finance, Accounting, Economics, or a related discipline.

A minimum of 5 years of professional experience as a Credit Analyst, ideally within a lending institution.

Mandatory: Demonstrable, in-depth experience in structuring and assessing LPO financing and invoice discounting deals.

Strong financial analysis, modelling, and credit reporting skills.

Exceptional attention to detail and the ability to work effectively under pressure and meet deadlines.

Relevant professional certifications (e.g., ACA, ACCA, CFA, CIBN) are a significant advantage.

On Offer

A competitive monthly net salary based on experience.

Career development and growth opportunities

Exposure to structured lending products and portfolio management

A collaborative work environment driven by integrity and excellence