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  Evaluate loan applications and conduct comprehensive credit analyses.
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  Conduct detailed financial analysis of individuals, SMEs, and corporate borrowers to determine repayment capacity and creditworthiness.
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  Analyze financial statements, cash flows, bank statements, and business performance to support lending decisions.
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  Conduct customer due diligence (CDD), Know Your Customer (KYC), and Anti-Money Laundering (AML) checks before loan approval.
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  Verify customer information, collateral documentation, guarantor details, and supporting documents for completeness and authenticity.
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  Prepare comprehensive credit appraisal memoranda with appropriate recommendations for Management and Credit Committee consideration.
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  Assess collateral adequacy and recommend suitable security structures to mitigate lending risks.
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  Ensure approved loans comply with delegated approval limits, internal policies, and CBN Prudential Guidelines.
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  Monitor customers' financial performance and identify early warning signals that may affect loan repayment.
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  Work closely with the Loan Monitoring Unit to track post-disbursement performance and ensure loan utilization aligns with approved purposes.

Requirements

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  Bachelor's Degree in Banking, Finance, Economics, Accounting, Business Administration, or related discipline.
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  Professional banking or accounting certification (ACIB, ACA, ACCA, CFA, or equivalent) is an added advantage.
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  Minimum of 3–5 years' experience in credit administration, credit analysis, or lending within a microfinance bank.
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  Strong understanding of CBN Prudential Guidelines, financial analysis, and credit risk management.
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  Excellent report writing and analytical skills.