Credit Risk Officer at Jemi Neil Consulting

Jemi Neil Consulting – Our client, a Microfinance Bank seeks to engage the services of an experienced and detail-oriented candidate for the position below:

Job Title: Credit Risk Officer

Location: Victoria Island, Lagos

Job Descriptions

• We seek to engage the services of a Credit Officer to facilitate lending for their company by assessing creditworthiness. The Credit Officer will be responsible for preparing loan applications, evaluating clients’ financial information and calculating risk ratios.
• To be successful in this role, you should have a good understanding of lending procedures and customer service experience.

Job Responsibilities

The credit risk officer will assist the Risk Department to:

• Perform risk assessments and review the credit application submitted by front line officers; exercise credit judgment; and make sound credit recommendations and / or decisions;
• Perform pro-active on-going credit monitoring and risk management on the client as well as portfolio level;
• Ensure all internal credit policies and procedures are adhered to and help to develop or enhance such policies and procedures;
• Ensure on-going compliance with regulatory requirements;
• Analyze risks and approve or reject loan requests, review clients’ financial status, evaluate creditworthiness and risks, calculate financial ratios (e.g. Debt to Income Ratio and interest rates)
• Set up payment plans
• Help to prepare various credit reports to be presented to Senior Management;
• Ensure all transactions have full and proper documentation.

Job Requirements

• University degree holder or above in Management, Business Administration, Finance, Economics, Accountancy or related discipline;
• At least 2 years’ experience in corporate lending or credit risk management;
• Good understanding of the risk issues across a wide variety of corporations, industries and regions;
• Good analytical, communications and interpersonal skill;
• Good report writing skills
• Proficiency in use of MS Word, Excel and PowerPoint.

Application Closing Date
28th May, 2020.