Credit Risk Manager

Company Description Alert Microfinance Bank is dedicated to empowering micro-entrepreneurs by improving their economic stability through accessible financial services. The bank offers a wide range of tailored financial products designed to support small and growing businesses. Its mission-driven culture emphasizes financial inclusion, responsible lending, and sustainable community impact. Team members contribute directly to the economic advancement of individuals and communities. Alert Microfinance Bank values integrity, customer focus, and innovation in delivering its services.

Role Description This is a full-time, on-site Credit Risk Manager role based in Port Harcourt. The Credit Risk Manager will oversee the assessment, approval, and monitoring of credit exposures across the bank’s portfolio, ensuring compliance with internal policies and regulatory requirements. Responsibilities include analyzing credit applications, setting and reviewing credit limits, and designing risk mitigation strategies for micro and small business customers. The role involves monitoring portfolio performance, identifying emerging risks, and recommending corrective actions to maintain portfolio quality. The Credit Risk Manager will collaborate with lending, finance, and operations teams to develop and refine credit policies, improve risk models, and train staff on best practices in credit assessment and risk management.

Qualifications

• Strong expertise in Credit Risk Management and Credit Management, including credit assessment, approval processes, and risk mitigation techniques.
• Advanced Analytical Skills with the ability to interpret financial data, credit reports, and portfolio trends to support data-driven decisions.
• Solid foundation in Finance, including understanding of financial statements, cash flow analysis, and key credit metrics.
• Experience in Portfolio Management, including monitoring portfolio quality, tracking key risk indicators, and implementing remedial strategies.
• Bachelor’s degree in Finance, Economics, Accounting, Business Administration, or a related field; relevant professional certifications are an advantage.
• Proficiency with spreadsheet and data analysis tools, and familiarity with credit risk systems or loan management platforms.
• Strong communication, stakeholder management, and report-writing skills, with the ability to present complex risk issues clearly.
• Demonstrated ability to work in a fast-paced, target-driven environment, with high standards of integrity and sound judgment.

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