CREDIT OFFICER @ JOB AFFAIRS
As a Credit Officer in Lagos, you will be responsible for evaluating the creditworthiness of potential borrowers and managing a portfolio of existing credit accounts. This role requires a meticulous approach to analyzing financial data, including income statements, balance sheets, and credit histories, to determine the level of risk associated with lending. You will work closely with clients to understand their financial needs and provide recommendations on loan approvals or denials based on your findings.
In addition to analytical tasks, you will be expected to maintain accurate records and ensure compliance with all internal policies and external regulations. The ideal candidate will possess a strong background in finance and a keen eye for detail, helping to minimize financial losses for the organization while supporting business growth. You will also participate in regular credit reviews and provide insights into market trends and credit risk mitigation strategies.
In addition to analytical tasks, you will be expected to maintain accurate records and ensure compliance with all internal policies and external regulations. The ideal candidate will possess a strong background in finance and a keen eye for detail, helping to minimize financial losses for the organization while supporting business growth. You will also participate in regular credit reviews and provide insights into market trends and credit risk mitigation strategies.
Key Requirements
Bachelor's degree in Finance, Accounting, Economics, or related field.
Strong analytical skills to evaluate creditworthiness and financial stability.
Proficiency in financial software and Microsoft Excel for data analysis.
Excellent communication and interpersonal skills for client management.
Proven ability to manage and monitor a diverse portfolio of loan accounts.
Deep knowledge of local banking regulations and credit laws in Nigeria.
Detail-oriented mindset with exceptionally strong organizational skills.
Ability to meet tight deadlines and work effectively under pressure.
Strong negotiation skills for establishing loan terms and conditions.
Minimum of 2 years of experience as a Credit Officer or in a similar financial role.