Senior Credit Risk Analyst

About the Role

• We are looking for a highly analytical and commercially minded Senior Credit Risk Analyst to join our team in Abuja.

Key Responsibilities

• Conduct comprehensive credit assessments for individuals, SMEs and/or corporate customers.
• Review loan applications, financial statements, bank statements, cash flows, management accounts and other relevant credit information.
• Analyse borrowers' financial capacity, repayment ability, leverage, liquidity, profitability and cash-flow position.
• Prepare detailed credit appraisal reports and make clear recommendations for approval, restructuring, reduction or decline.
• Identify key credit risks and recommend appropriate mitigants, conditions precedent and monitoring requirements.
• Conduct industry, business and borrower risk assessments to support informed credit decisions.
• Monitor existing loan portfolios and identify early warning signals of potential deterioration.
• Review customer repayment behaviour, exposure levels, collateral positions and covenant compliance.
• Support the development and implementation of credit risk policies, procedures and underwriting standards.
• Analyse portfolio performance and provide insights on delinquency, default, concentration and credit-quality trends.
• Work closely with Credit, Risk, Collections, Finance, Business Development and Operations teams.
• Participate in the review and improvement of credit scoring models, risk-rating methodologies and credit decision frameworks.
• Ensure compliance with internal credit policies, regulatory requirements and approved risk appetite.
• Prepare periodic credit risk reports for senior management and relevant committees.
• Conduct post-disbursement reviews and recommend appropriate risk-control actions.
• Support stress testing, scenario analysis and portfolio risk assessments where required.
• Keep abreast of developments in the Nigerian financial services and lending environment that may affect credit risk.

Requirements

• Bachelor's degree in Accounting, Finance, Economics, Statistics, Mathematics, Business Administration or a related discipline.
• Professional qualification such as CFA, ACCA, ICAN, CIBN, FRM or equivalent will be an advantage.
• Minimum of 5–8 years' relevant experience in Credit Risk/Credit Analysis, preferably within: Commercial Banks, Merchant Banks, Finance Houses, Microfinance Banks, Lending Companies, Fintech/Lending Fintechs, Asset/Investment Management, Other regulated financial institutions.
• Strong experience in credit appraisal, financial analysis, underwriting and portfolio risk management.
• Excellent understanding of financial statements and ability to interpret financial performance and cash-flow trends.
• Strong knowledge of credit risk principles, lending practices and risk mitigation techniques.
• Experience analysing both SME and corporate credit will be an advantage.
• Strong proficiency in Microsoft Excel and financial modelling.
• Excellent analytical, numerical and problem-solving skills.
• Strong report-writing and presentation skills.
• Ability to challenge assumptions and make objective, evidence-based credit recommendations.
• High attention to detail, integrity and sound professional judgement.

Why Join Us?

• Competitive salary of N800,000 – N1,000,000 monthly, depending on experience and capability.
• Opportunity to play a strategic role in credit and risk decision-making.
• Exposure to diverse lending and financial services transactions.
• Opportunity to work closely with senior management.
• Strong career growth potential within a growing financial services organisation.

Application Closing Date
10th August, 2026.

How to Apply
Interested and qualified candidates should send their CVs to: using “Senior Credit Risk Analyst – Abuja” as the subject of the email.

Note: Only shortlisted candidates will be contacted.

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