At a glance
- Closing date
- The listing does not give one. Employers often close early when they have enough applicants, so apply soon.
- Where
- Lagos, Nigeria
- How to apply
- Directly to the employer by email. The address is in the listing below.
Job Summary
We are looking for a detail-oriented and analytical Credit Risk Officer to manage the credit assessment and underwriting process for all loan applications received by the company.
The successful candidate will be responsible for evaluating borrowers' creditworthiness, assessing repayment capacity, identifying potential risks and making informed lending recommendations to ensure the company maintains a healthy loan portfolio.
The ideal candidate must have hands-on experience in loan underwriting, credit analysis and risk assessment within a lending or financial services institution.
Key Responsibilities
Review and assess loan applications across all the company's loan products.
Conduct detailed creditworthiness assessments of individual and business borrowers.
Analyse financial statements, bank statements, income records and other relevant financial documents.
Evaluate borrowers' repayment capacity, credit history and existing financial obligations.
Conduct background checks, credit bureau checks and other necessary verification exercises.
Identify potential credit risks and recommend appropriate risk mitigation measures.
Prepare credit assessment reports and make recommendations for loan approval, rejection or restructuring.
Ensure all loan applications meet the company's credit policies and underwriting standards.
Recommend appropriate loan amounts, interest rates, repayment structures and tenures based on risk assessments and applicable lending policies.
Work closely with the Business Sales and Collections teams to ensure effective loan processing and portfolio management.
Monitor the performance of approved loans and identify emerging credit risks.
Maintain accurate credit records and ensure proper documentation of all underwriting decisions.
Provide recommendations for improving the company's credit policies and risk management framework.
Requirements and Qualifications
2-3 years' experience in credit risk, loan underwriting or credit analysis within a lending institution, microfinance bank or commercial bank.
Proven experience assessing and underwriting personal, SME or business loans.
Strong understanding of credit analysis, loan structuring and risk assessment.
Ability to analyse financial statements, bank statements and other financial records.
Familiarity with credit bureau checks and loan management systems.
Strong analytical, numerical and problem-solving skills.
High attention to detail and sound professional judgement.
Good knowledge of lending regulations and credit risk management practices.
A degree in Finance, Accounting, Economics, Banking or a related field is an advantage
Minimum qualifications
BA/BSc/HND
How to apply
Interested and qualified candidates should send their CV to: recruitment@radixng.com using "CRO2026" as subject of your email.
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