Credit Risk Officer
AI summary
Pact Microfinance Bank is hiring a Credit Risk Officer in Lagos to assess loan applications, evaluate creditworthiness, and monitor credit risk. The role requires a BA/BSc/HND and 2-4 years of relevant experience. Interested candidates should send their CV to oolushoto@pactmfb.ng with the subject line 'Credit Risk Officer'.
- Full-time Credit Risk Officer position with Pact Microfinance Bank
- Based in Lagos, Nigeria
- Requires BA/BSc/HND and 2-4 years of credit risk experience
- Apply by sending CV to oolushoto@pactmfb.ng
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- Required2+ years of relevant experienceThe job post includes a minimum experience signal.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in finance, credit risk, risk managementThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe vacancy is associated with this location.
- UnclearComfort with the Full Time contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Credit Risk Officer evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Pact Microfinance Bank and the role in Not specified.
- Add concrete examples related to finance, credit risk, risk management, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from MyJobMag Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- MyJobMag Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Credit Risk Officer role in finance, credit risk?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Not specified under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Pact Microfinance Bank before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Use AI to apply better
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Original source description
Pact Microfinance Bank Limited is a bold, digitally enabled financial institution committed to empowering individuals, businesses, and communities through inclusive solutions. Our name,Pact, reflects a binding agreement of trust, empathy, and shared progress between us and every customer. We are not just building a bank—we are building trust, creating p... Read more about this company Credit Risk Officer Job Type Full Time Qualification BA/BSc/HND Experience: 2 - 4 years Location Lagos Job Field Finance / Accounting / Audit Job Summary We are seeking a detail-oriented and analytical Credit Risk Officer to join our team. The successful candidate will be responsible for assessing credit applications, evaluating borrowers’ creditworthiness, monitoring credit risk exposure, and ensuring compliance with the organisation’s credit policies and regulatory requirements. Key Responsibilities: Assess and analyse loan applications and supporting documentation. Conduct comprehensive credit assessments and evaluate borrowers’ creditworthiness. Review financial statements, cash flows, credit history and other relevant financial information. Recommend appropriate credit limits, loan amounts, repayment terms and risk mitigation measures. Identify, assess and monitor potential credit risks within the loan portfolio. Conduct regular reviews of existing credit facilities and customer accounts. Monitor portfolio performance and identify early warning signs of potential default. Prepare detailed credit analysis and risk assessment reports for management/credit committees. Ensure all credit decisions comply with approved policies, procedures and regulatory requirements. Liaise with Relationship Managers, Business Development Officers and other relevant teams regarding credit requests. Maintain accurate and up-to-date credit documentation and records. Provide recommendations on risk mitigation, restructuring and recovery strategies where necessary. Stay informed about changes in economic conditions, industry trends and regulatory requirements: that may affect credit risk. Support the development and improvement of credit risk policies, procedures and processes. Requirements: Bachelor’s degree in Accounting, Finance, Economics, Business Administration or a related field. 2–4 years of relevant experience: in credit risk, credit analysis, lending or a related financial services role. Strong knowledge of credit assessment and financial analysis. Good understanding of lending principles, credit risk management and loan portfolio monitoring. Strong analytical, numerical and problem-solving skills. Excellent attention to detail and ability to make sound risk-based decisions. Good knowledge of Microsoft Office, particularly Excel. Excellent communication and report-writing skills. Ability to work independently and effectively within a team. Preferred Skills: Experience: in a microfinance bank, commercial bank, fintech or other financial institution will be an advantage. Knowledge of relevant CBN regulations and applicable credit risk guidelines is an advantage. Professional certification in banking, finance, risk management or a related field will be an added advantage. Check how your CV aligns with this job Method of Application Interested and qualified candidates should send their updated CV to oolushoto@pactmfb.ng with “Credit Risk Officer” as the subject of the email. Build your CV for free. Download in different templates.