Job Summary

To originate, appraise and approve credit request applications in line with the Bank’s credit policy and the risk acceptance criteria, to deliver quality and sustainable risk assets.

  • Minimum Qualification: Degree
  • Experience Level: Mid level
  • Experience Length: 5 years

Job Description/Requirements


  • Review of the credit requests to identify key risk and proffer  mitigants, agree to structure with business group and to  provide conditions precedent to drawdown 
  • Ensure prompt response to credit requests to excite  customers 
  • Work with other Stakeholders to ensure completeness of  documentation to safeguard the Bank’s position 
  • Review and analyze NPL, extract necessary information and make recommendations. 
  • Review and appraise fast track credit and detailed analysis  credit within the set threshold of approval 
  • Partake in the credit policy design/formulation process
Key Performance Indicator:
  • Bank’s PBT
  • Cost Containment 
  • Net Promoter Score 
  • Staff Turnover - Retention (Regrettable Loss)
  • Staff Performance Management
  • Staff Training & Development 
  • Percentage achievement of the Risk  assets budget for the year - at least 80%
  • NPL ratio - less than 5%
  • TAT on credit processing i.e. < 5% of  credit process TAT breach
  • The ratio of undisbursed approved  credit request to total approved credit  request
  • Quality of credit processed: measured  by the number of the recommended request referred by SCO 
  • Risk & Control Rating

Required Competencies: 


  • Credit analysis
  • Understanding of CBN monetary policies & guidelines
  • Loan structuring & restructuring
  • Credit risk management
  • Financial statement analysis
  • Data mining 
  • Trade finance & documentary credit/ collections
  • Reporting 


  • Product knowledge
  • Policy formulation & implementation 

Behavioural Competencies: 

  • Interpersonal relations 
  • Initiative 
  • Analytical ability 
  •  Decision quality & Problem-solving

Organizational Competencies: 

  • Attention to Detail
  • The bank"s Ethics & Values
  • Continuous Learning
  • Drive for Results
  • Time/Self Management

Job Profile:

The behavioural competencies of the job include the ability to: 

  • Be a self-starter in order to complete tasks and overcome problems as well as provide direction for others.
  • Create a culture of continuous improvement.
  • Continually seek out opportunities. Practise and encourage a culture of strategic excellence.
  • Take appropriate decisions whilst, at the same time, ensuring that others do likewise.
  • Evaluate situations and calculate risks whilst justifying and defending quality standards.
  • Enjoy challenging problem-solving situations and come up with well thought through practical solutions.
  • Provide simple, practical solutions and complete all assignments thoroughly and timeously.
  • Work as part of a team and demonstrate tolerance, understanding and consistency when dealing with others. 
  • Adopt a serious and questioning manner in order to assess situations and reach conclusions, thus basing the processes on facts and information gleaned from others.
  • The Job Profile indicates that the job requirement is for a person who has the ability to achieve results through a logical, systematic and perfectionist approach. 
  • Challenging assignments and the research of facts and information within a specialist/technical area are also important to the role.
  • The incumbent should have the persistence to see a job through to a conclusion and be happy to work either alone or on the periphery of a team.
  • The function calls for well-defined parameters,  achieving goals and solving problems, whilst at the same time maintaining quality and standards.
  • The person occupying the job should be authoritative, inquisitive, self-reliant, methodical, deliberate and precise in approach. The ability to question, concentrate and work within set precedents may also be important aspects of this job.

Educational Qualification: 

  • First Degree in the numerate field. Second degree/ Professional qualification would be an added advantage


  • At least 5 years of cognate experience in credit analysis.

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Anonymous Employer
| Full Time |