Portfolio Credit Analyst
AI summary
Rand Merchant Bank Nigeria is hiring a Portfolio Credit Analyst to oversee, monitor, analyze, and report on the bank's credit portfolio across Treasury & Trade Solutions, Investment Banking, Markets, and Group Treasury. The role focuses on portfolio quality, concentration risk, IFRS 9 Expected Credit Loss management, Basel capital reporting, stress testing, and supporting strong credit governance. The position sits within the RMB Nigeria Credit team and interfaces with Coverage, Risk, Finance, Legal, Compliance, and regulators.
- Credit portfolio oversight across multiple business segments including Treasury, Investment Banking, Markets, and Group Treasury.
- Manage IFRS 9 Expected Credit Loss model and support Basel credit risk capital reporting.
- Prepare Board, management committee, and regulatory reports with timely and accurate MIS.
- Conduct quarterly portfolio stress testing and support the annual ICAAP credit risk workflow.
- Work closely with internal and external auditors, regulators, and key credit stakeholders.
AI job guide
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AI salary guide
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Can you qualify for this role?
- UnclearRelated work experienceThe text mentions experience, but the exact level should be confirmed at source.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in internship, technology, financeThe 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 Portfolio Credit Analyst evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Rand Merchant Bank (RMB) and the role in Not specified.
- Add concrete examples related to internship, technology, finance, 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.
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Interview preparation
- What experience makes you a strong fit for this Portfolio Credit Analyst role in internship, technology?
- 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 Rand Merchant Bank (RMB) before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
The Credit Portfolio Analyst will be responsible for the oversight, monitoring, analysis, and reporting of the Bank’s credit portfolio across all business segments, including Treasury & Trade Solutions, Investment Banking, Markets, and Group Treasury. The successful candidate will deliver accurate and insightful portfolio reporting, monitor portfolio quality and concentration risks, support portfolio optimization and risk-adjusted returns, and work closely with Coverage, Transactors, Risk, Finance, Legal, Compliance, and other internal and external stakeholders to maintain strong credit governance, enhance portfolio analytics, improve reporting processes, and safeguard the overall quality and performance of the Bank’s lending portfolio. As a key member of the RMB Nigeria Credit team, the role ensures that credit exposures remain within approved risk appetite, regulatory requirements, and internal policies through proactive portfolio management, risk identification, and timely escalation of emerging concerns. Responsibilities: The successful candidate will be responsible for: Assist in preparing and presenting management committee, Board committee and regulatory reports / MIS for the Credit function correctly and in a timely manner. Daily monitoring of exposures at a client level and across various product pillars in conjunction with Credit Analysts. Ensuring that compliance objectives are met, which include audit and regulatory inspection outcomes as per annually defined targets. Expected Credit Loss - Management of the Bank’s ECL model to ensure compliance with IFRS 9 and relevant prudential requirements: and including reporting and advising stakeholders; review past or anticipated changes in provisions. Ensure that all data processed and reported to the Board is in accordance with the principles of BCBS 239. Support computation and reporting in respect of Credit Risk capital in accordance with Basel requirements, as well as monitoring compliance with other relevant frameworks and regulatory guidance. Assist in tracking and monitoring key parameters for the Credit Risk Appetite Framework, including portfolio and counterparty limits. Support periodic portfolio deep dives for industries/products/portfolios to test for macro shocks/emerging risks. Support the development, maintenance, and automation of statistical models that quantify/simulate various aspects of the portfolio, including profile of Gross Advances, Expected Credit Loss, Expected size of Non-performing/Write-Off portfolios, Credit Loss Ratios, and other defined parameters at any point in time. Work with internal and external auditors, as well as regulatory examiners, in review processes and address all issues. Create and maintain automated processes that gather relevant data, ensure data accuracy, aggregate results, generate reports, and distribute results to relevant parties Keeping track of all breaches noted on transactions. Escalating breaches to the appropriate sanctioning authority and proposing relevant corrective actions. Support the management of the portfolio stress testing process by conducting stress and scenario analysis of portfolio on a quarterly basis, as well as taking a leading role in the Credit Risk component of the annual ICAAP workflow. Key Deliverables Improve quality of credit risk data to support decisions. Provisions and Credit Capital calculated & flagged to all stakeholders proactively. Credit portfolio monitoring (endogenous/exogenous risks impacting the portfolio explained and remediation suggested). Forecasts and estimates back-tested to ensure accuracy and stability. All periodic reporting (monthly, quarterly, annual) completed on time & circulated to the relevant stakeholders. Role Interfaces/Interacts: Head of Credit: Credit appetite setting, governance oversight, policy management & review. Credit Bureaus Credit Rating Agenci Credit Department: Information sourcing/sharing, Transfer of skills (development). FirstRand Bank Central Credit and subsidiaries Credit Risk. - Central Bank’s Supervision Departments (regulatory). Risk & Compliance: Regulatory and Compliance oversight, reporting (including Operational and Climate Risk). Finance: Information sourcing/sharing. Legal Department: Legal services & advice. Client-facing Teams. Internal Audit: Information provision for audit assurance exercises on credit policies & frameworks and the identification of potential risks (impact & scope). Experience: & Qualifications Bachelor’s Degree with a minimum qualification of Second-Class Upper division or equivalent. A relevant professional qualification within the accounting, finance, or risk management fields is desirable. At least 3 - 4 years’ experience: in a relevant field. Skills Requirement & Personal Attributes: Strong Analytical and Statistical skills. Basic understanding of Portfolio Management, Good verbal communication and presentation skills. Strategic thinking. Ability to cope in a fast-paced environment. Ability to work with data, discern complex underlying relationships, and predict patterns to support recommendations for management decision-making. Take responsibility for actions, projects and people. Able to take initiative and work in their own direction. Follows through on commitments with an appropriate sense of urgency, completing them in a timely and reliable manner. Highly responsible, dedicated, and able to self-motivate and motivate team members. Ability to work within and transfer knowledge to the rest of the team as necessary. Software: MS Office, with Advanced EXCEL skills, SQL, Power BI, among others Initiates and generates activity and introduces value-adding improvements into work processes and is able to make quick, clear decisions considering risks. Basic Credit, Financial Analysis, and Modelling skills. Ability to meet corporate standards relating to resolving conflicts, as well as communicate effectively with peers, stakeholders and senior management. Attention to detail. Presentation [Word and PowerPoint] & Report writing skills. How to Apply Interested and qualified candidates should: Click here to apply online Application Deadline: 26th August, 2026. View all Jobs in Nigeria Lagos State