Credit Officer
AI summary
A leading microfinance bank in Nigeria is hiring a Credit Officer to evaluate loan applications, conduct financial and credit analyses, recommend lending decisions, and monitor approved facilities. The role requires 3–5 years of credit experience in a microfinance bank and a degree in Banking, Finance, Economics, Accounting, or Business Administration.
- Credit analysis and lending decision role in a leading Nigerian microfinance bank
- Requires 3–5 years experience in credit administration or lending
- Banking, Finance, Economics, Accounting, or Business Administration degree required
- Professional certification such as ACIB, ACA, ACCA, or CFA is an added advantage
- Apply online through the provided link
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?
- Required3+ 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 security, internship, segurancaThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe vacancy is associated with this location.
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 Officer evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Alan & Grant and the role in Not specified.
- Add concrete examples related to security, internship, seguranca, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla 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
- Jobzilla 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 Officer role in security, internship?
- 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 Alan & Grant before the interview.
Ask what the first priorities will be in the role and how success will be measured.
Similar jobs to consider
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Original source description
Our client is a leading Microfinance Bank in Nigeria providing micro-banking services to individuals and SMEs. Job Summary The Credit Management Officer is responsible for evaluating credit applications, conducting detailed financial and credit analyses, recommending appropriate lending decisions, and monitoring approved credit facilities to ensure compliance with the Bank's credit policies and regulatory requirements. The role supports prudent credit administration, portfolio quality, and sustainable lending practices while minimizing credit risk and loan losses. Key Responsibilities: Monitor customers' financial performance and identify early warning signals that may affect loan repayment. Verify customer information, collateral documentation, guarantor details, and supporting documents for completeness and authenticity. Work closely with the Loan Monitoring Unit to track post-disbursement performance and ensure loan utilization aligns with approved purposes. Assess collateral adequacy and recommend suitable security structures to mitigate lending risks. Analyze financial statements, cash flows, bank statements, and business performance to support lending decisions. Evaluate loan applications and conduct comprehensive credit analyses. Prepare comprehensive credit appraisal memoranda with appropriate recommendations for Management and Credit Committee consideration. Conduct detailed financial analysis of individuals, SMEs, and corporate borrowers to determine repayment capacity and creditworthiness. Ensure approved loans comply with delegated approval limits, internal policies, and CBN Prudential Guidelines. Conduct customer due diligence (CDD), Know Your Customer (KYC), and Anti-Money Laundering (AML) checks before loan approval. Requirements: Strong understanding of CBN Prudential Guidelines, financial analysis, and credit risk management. Professional banking or accounting certification (ACIB, ACA, ACCA, CFA, or equivalent) is an added advantage. 3–5 years' experience: in credit administration, credit analysis, or lending within a microfinance bank. Bachelor's Degree in Banking, Finance, Economics, Accounting, Business Administration, or related discipline. Excellent report writing and analytical skills. How to Apply Interested and qualified candidates should: Click here to apply online View all Jobs in Nigeria Lagos State Credit Officer job vacancies in Nigeria