Credit Officer - Loan & Asset Financing

Job Summary

• We are seeking an experienced and detail-oriented Credit Officer with a strong background in loan and asset financing to join our team..

Key Responsibilities

• Evaluate loan and asset financing applications submitted by individuals, SMEs, and corporate clients.
• Conduct comprehensive credit analysis, including assessment of financial statements, bank statements, cash flow, repayment capacity, and credit history.
• Assess the value, ownership, and suitability of assets being financed or pledged as collateral.
• Verify customer documentation and ensure compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.
• Prepare detailed credit appraisal reports and recommend approval, decline, or modification of credit facilities.
• Structure loan facilities in line with company policies and customers' repayment capacity.
• Liaise with sales, operations, legal, and recovery teams throughout the loan lifecycle.
• Monitor the performance of the loan portfolio and identify early warning signs of potential defaults.
• Conduct periodic reviews of existing credit facilities and recommend restructuring where necessary.
• Ensure proper perfection of security documentation and collateral registration.
• Maintain accurate credit files and documentation for audit and regulatory purposes.
• Support disbursement processes by confirming that all pre-disbursement conditions have been fulfilled.
• Monitor compliance with internal credit policies, regulatory guidelines, and industry best practices.
• Prepare periodic portfolio reports, risk analysis reports, and management information reports.
• Work closely with the recovery team to manage delinquent accounts and minimize non-performing loans.

Requirements
Education:

• Bachelor's Degree in Finance, Accounting, Economics, Banking, Business Administration, or a related discipline.

Experience:

• 3–6 years of proven experience in credit analysis, loan underwriting, or asset financing.
• Experience in financial institutions, fintech companies, microfinance banks, commercial banks, leasing companies, or auto finance companies is highly preferred.
• Demonstrated experience in financing assets such as:
  • Motor vehicles
  • Commercial vehicles
  • Equipment and machinery
  • Generators
  • Agricultural equipment
  • Construction equipment
  • Other movable assets

Required Skills & Competencies:

• Strong credit appraisal and financial analysis skills.
• Sound understanding of loan underwriting principles.
• Knowledge of asset financing and collateral management.
• Ability to interpret financial statements and cash flow reports.
• Strong risk assessment and decision-making abilities.
• Excellent analytical and problem-solving skills.
• High level of integrity and confidentiality.
• Strong negotiation and relationship management skills.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft Excel and other Microsoft Office applications.
• Familiarity with credit scoring systems, loan management software, and credit bureau reports.
• Ability to work under pressure and meet strict turnaround times.

Preferred Industry Experience:
Candidates with prior experience in any of the following industries will have an added advantage:

• Auto Financing
• FinTech
• Commercial Banking
• Microfinance Banking
• Asset Finance
• Leasing
• Consumer Lending
• Equipment Finance
• Vehicle Financing
• Manufacturing Finance

Personal Attributes:

• Ethical and trustworthy.
• Detail-oriented with excellent organizational skills.
• Strong analytical mindset.
• Results-driven and proactive.
• Excellent interpersonal skills.
• Ability to manage multiple priorities simultaneously.
• Strong sense of accountability and ownership.

Application Closing Date
31st July, 2026.

How to Apply
Intrested and qualified candidates who stay within the above mentioned LGA should send their CV to: View email address on hotnigerianjobs.com using the Job Title and preferred location as subject of the mail. (Eg Credit Officer- Kosofe).

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