Credit Risk Officer - Addosser Microfinance Bank Limited
Addosser Microfinance Bank Limited
Lagos
1d ago
source : BetaJob

Job Details

Duties and Responsibilities

  • Evaluate customers' loan applications in line with the bank's credit policy.
  • Identify critical risks in credit request and provide advise on how requests can be restructured in line with the bank’s risk appetite.
  • Has relevant experience in analyzing consumer and SME loans.
  • Organization of credit committee.
  • Portfolio management & reporting.
  • Create innovative credit evaluation processes and systems.
  • Evaluate clients for credit worthiness based our internal risk models & their application information.
  • Weed out fraudulent applications, and unreliable applicants.
  • Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts.
  • Continuously ensure alignment / compliance to the credit risk management framework.
  • Continuously analyze and recommend improvement on credit risk management framework, processes and systems.
  • Relevant Skills, Qualifications, Attributes & Experience

  • A first degree in Economics, Finance or any other discipline, Master’s Degree is an added advantage.
  • Minimum of 3 years banking experience.
  • Good knowledge of accounting and relevant lending ratios.
  • Analytical skills
  • Good communications.
  • Good reporting skills.
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