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3 weeks ago

Job Summary

The Credit & Risk Management Officer is responsible for the monitoring and management of the risk portfolio of the Bank. The job holder will develop and implement systems, policies and procedures aimed at risk mitigation.

  • Minimum Qualification: HND
  • Experience Level: Mid level
  • Experience Length: 3 years

Job Description/Requirements


  • Planning, designing implementing & managing the overall risk management process for the company by developing the risk management framework, policies, processes, procedures and reporting standards that define the bank’s risk strategy and appetite in line with its overall business objectives
  • Monitor the business development for emerging risks and recommend policies and procedures to improve the risk management process
  • Facilitate the identification, assessment, measurement, monitoring, controlling and reporting the level of risks
  • Maintain oversight over the company’s enterprise risk management activities
  • Provide support, education and training to staff in order to create risk awareness
  • Ensures proper documentation of credits by adhering to set documentation standards and procedures
  • Define credit approval framework and recommend credit approval limits in line with company's’ policy
  • Analysis and appraisal of Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines
  • Conduct periodic stress tests and scenario analysis, assessing the impact to the company’s credit portfolio and make appropriate recommendations to senior management for appropriate action
  • Support the loan remediation team, in negotiating work out plans and strategies for delinquent customers and provide additional support with respect to exposures requiring collection agencies or legal action
  • Review and analyze the delinquent portfolio to identify key causal factors, make recommendations and track them to ensure adequate and timely closure
  • Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate
  • Prepare timely, comprehensive and reliable credit risk reports to senior management and board on a regular basis
  • Flexibility to carry out any other task as requested by Management


  • HND / B.Sc / in Accounting, Economics or a related field
  • Evidence of completion/ exemption of/from NYSC


  • Minimum of three (3) years’ experience in a similar role 


  • Credit Administration, credit analysis and appraisal skills
  • Outstanding communication (written and verbal) and interpersonal abilities
  • Strong marketing and public relations skills
  • Good team player with excellent leadership traits
  • Planning and organization skills
  • High degree of professionalism, maturity and confidentiality
  • Strong interpersonal and presentation skills.
  • Strong analytical and problem-solving skills.
  • Ability to work within and manage a team of professional, guiding and coordinating towards achieving common objectives.
  • Influencing and Negotiation skills

Method of Application

Interested and qualified candidates should send their CV using the Job Title as the subject of the email.

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