Loan Portfolio Specialist

Responsibilities:

Portfolio Management & Monitoring

• Track and analyse loan portfolio performance across all product segments.
• Identify early warning signals of credit deterioration and initiate proactive remedial actions.
• Monitor delinquency trends, non-performing loans (NPLs), and recoveries.
• Prepare periodic reports on loan book health, segmentation, and performance metrics

Credit Risk Analysis

• Conduct portfolio stress testing, scenario analysis, and credit concentration assessments.
• Recommend credit limits, risk ratings, and provisioning based on regulatory requirements (e.g., CBN Prudential Guidelines).
• Support the implementation of internal credit risk models and risk appetite frameworks.

Loan Quality Assurance

• Review loan documentation, collateral, and credit approvals for compliance.
• Ensure accurate classification of loans (Performing, Pass & Watch, Substandard, Doubtful, Lost).
• Collaborate with credit and collections teams to enhance recovery processes.

Reporting & Compliance

• Prepare monthly and quarterly regulatory returns and internal credit portfolio reports.
• Ensure compliance with CBN, IFRS 9, and internal credit policy requirements.
• Provide insights and recommendations to management for policy and process improvement.

Stakeholder Engagement

• Liaise with Finance, Risk, and Collections teams to align portfolio reporting and provisioning.
• Support management in investor, auditor, and regulatory reviews.

Requirements:

• Bachelor’s degree in Accounting, Finance, Economics, or related field.
• Professional certification, such as ACA, ACCA, or CFA, is an advantage.
• Minimum of 2–5 years relevant experience in credit analysis, loan management, or risk management.
• Strong knowledge of credit risk metrics, NPL management, and regulatory frameworks (CBN, IFRS 9).
• Proficiency in Microsoft Excel, Power BI, or other portfolio analytics tools. Key Competencies
• Analytical and quantitative skills.
• Strong attention to detail and accuracy.
• Sound judgment and decision-making ability.
• Excellent communication and reporting skills.
• Ability to work under pressure and meet deadlines.