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Credit Risk Officer
About this role
First Ally Capital Limited seeks an experienced Credit Risk Officer in Lagos to support credit appraisal and portfolio risk management. The role involves analysing loan applications, financial information and repayment capacity, and preparing credit recommendations with risk mitigants. You will monitor portfolio risk indicators, early warning signals and overdue loans, and assist recovery on delinquent facilities. The position requires ensuring compliance with credit policies and documenting requirements, while tracking processing turnaround times and producing risk and portfolio reports. The employer is a Nigerian financial services firm focused on advisory and investment services, licensed as an issuing house and underwriter.
What you would do
- Analyse loan applications and financial information to assess repayment capacity
- Prepare credit recommendations and identify risk mitigants
- Monitor portfolio at risk, overdue loans and emerging credit risks
- Identify and escalate early-warning signals and risk alerts
- Support recovery efforts on delinquent facilities
- Ensure compliance with credit policies and documentation requirements
- Monitor credit processing turnaround time
- Prepare credit risk and portfolio performance reports
What they are asking for
- Bachelor’s degree in Finance, Accounting, Economics, Banking & Finance, Business Administration or related discipline
- Minimum of 3 years’ relevant credit risk or credit analysis experience
- Experience within banking or financial services; microfinance experience is an advantage
- Strong credit and financial analysis, Excel and reporting skills
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