Job title: Credit Analyst
Company: Sigma Consulting Group
Job description: Credit AnalystLocation: Victoria Island, Lagos
Salary: 200,000 – 250,000
Experience: 3 – 5 Years
Industry: Financial ServicesPosition Overview:We are seeking a qualified and results-driven Credit Analyst to join our team. This role is critical to assessing the creditworthiness of prospective borrowers, supporting responsible lending decisions, and maintaining a high-performing loan portfolio. The ideal candidate will possess strong analytical skills, a good understanding of SME lending in Nigeria, and a passion for contributing to inclusive finance.Key Responsibilities:1. Credit Assessment & AnalysisConduct detailed credit analyses including financial statement reviews and cash flow forecasting.Evaluate loan proposals and determine creditworthiness based on financial and non-financial indicators.Review supporting documents such as bank statements, invoices, and business plans.2. Risk Evaluation & MonitoringIdentify credit risks and propose appropriate mitigants.Maintain and update internal risk grading models and risk assessment frameworks.Monitor active loans to detect early warning signs and manage delinquencies proactively.3. Portfolio ManagementTrack and report on the performance of various credit products (e.g., SME loans, vendor financing schemes).Recommend restructuring strategies when necessary to ensure portfolio health.Contribute to regular reports for management and regulatory purposes.4. Documentation & ComplianceEnsure loan files are complete and meet both internal and regulatory requirements.Collaborate with legal and compliance teams to uphold KYC, AML, and credit policy standards.Stay updated with relevant industry regulations and best practices.Key Performance Indicators (KPIs):Turnaround Time for Credit Decisions: 5 working daysNon-Performing Loan (NPL) Ratio: 5%Credit Report Timeliness & Accuracy: 100% on scheduleCompliance Adherence: 100% with CBN and internal policiesStakeholder Satisfaction: 90% in internal surveysContribution to Credit Policy Development: 1 per quarterSupport for Impact Goals: 70% of loans aligned with priority segments (women, youth, underserved)Qualifications & Requirements:Bachelors degree in Finance, Economics, Business Administration, or a related field.3 – 5 years of experience in credit analysis, preferably within a financial institution or impact fund.Strong understanding of financial statements, cash flow modeling, and credit risk assessment.Proficiency in Microsoft Excel and credit scoring tools.Familiarity with the Nigerian SME lending environment.Competencies:Strong analytical and problem-solving skillsExcellent communication and report writing abilitiesHigh level of integrity, professionalism, and attention to detailAbility to manage multiple tasks and deadlines in a fast-paced environmentTeam player with a proactive and strategic approachTo Apply:
Interested candidates should send their CV and a cover letter highlighting relevant experience to Only qualified candidates will be contacted.
Expected salary: 200000 – 250000 per month
Location: Lagos, Lagos State
Job date: Mon, 23 Jun 2025 22:12:52 GMT
Leave a Comment