Credit Risk Analyst at Addosser Microfinance Bank

Addosser Microfinance Bank • Lagos • 0

Full Time BA/BSc/HND , MBA/MSc/MA 2 - 5 years

Posted Feb 19, 2026

Finance / Accounting / Audit&nbsp

Job Description

Responsibilities

Evaluate customers' loan applications in line with the organisation's credit policy.
Identify critical risks in credit requests and provide advice on how requests can be restructured in line with the bank’s risk appetite.
Has relevant experience in analysing consumer and SME loans.
Organisation of the credit committee.
Portfolio management & reporting.
Create innovative credit evaluation processes and systems.
Evaluate clients for credit worthiness based on our internal risk models & their application information.
Detect fraudulent applications and unreliable applicants.
Review Facility Letters and Loan Agreements, scrutinising the signed documents to ensure the accuracy of the contracts.
Continuously ensure alignment/compliance with the credit risk management framework.
Continuously analyse and recommend improvements on the credit risk management framework, processes and systems.
Preparation of statutory reports.

Qualification / Requirements

A First Degree in Economics, Finance or any other discipline, a Master’s Degree is an added advantage.
2 - 5 years’ relevant experience in the Financial Services Industry.
Good knowledge of accounting and relevant lending ratios.
Experience in Credit Risk Management
Data Analytics and Effective Communication
Good Knowledge of Credit Analysis and Appraisal
Experience in SME
Good reporting skills.

Interested and qualified candidates should send their CV to:

careers@addosser.com

using the Job Title as the subject of the email.

Submit your application before the deadline.