Job Summary

To undertake an independent, third-party risk analysis of various lending and investment proposals in line with the bank’s risk appetite, aimed at evolving an overall Quality of the Credit Portfolio, thereby creating value for all stakeholders and providing leadership to credit underwriters.

  • Minimum Qualification: Degree
  • Experience Level: Management level
  • Experience Length: 10 years

Job Description/Requirements


  • Determine a Bankable credit proposal that will create value, growth and sustainable Banking. 
  • Ensure Credit approvals are in full compliance with internal and external policies and regulations. 
  • Ensure growth in risk assets for corporate business 
  • Improve the overall Quality of the Credit Portfolio and processes. 
  • Develop and oversee an effective loan monitoring framework and process 
  • Provide leadership and training to credit underwriting,  improving TAT and delighting the Bank’s customers. 
  • Serve as a member of the Management Credit Committee and provide proactive advice and counsel on credit transactions and the credit process. 
  • Develop initiatives to reduce the risk of loss

Key Performance Indicator:


  • Bank’s PBT
  • Cost Containment 


  • i-NPS & e-NPS 


  • Staff Turnover - Retention (Regrettable Loss) 
  • Staff Performance Management 
  • Staff Training & Development 


  • NPL ratio not exceeding 5% 
  • Regional PBT 
  • Achievement of related loan growth  budget 
  • Compliance with bank’s credit policy - Compliance with agreed/set TAT 


  • 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 

Leadership Competencies: 

  • Business acumen
  • Coaching & developing others
  • Customer focus 

Behavioural Competencies: 

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

Organizational Competencies: 

  • Attention to Detail 
  • The organization's Ethics & Values 
  • Continuous Learning 
  • Drive for Results 
Job Profile:
The behavioural competencies of the role 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 15 years of banking experience 8 to 10 of which must be in Credit underwriting, Relationship management at the Group level.

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