Senior Credit Analyst - SME Loans at Koins Microfinance Bank Limited

Koins Microfinance Bank Limited is a fully licensed technology and impact-driven microfinance bank that focuses on driving financial inclusion. Loans / Savings/ Investments.

We are recruiting to fill the position below:

Job Title: Senior Credit Analyst - SME Loans

Location: Victoria Island, Lagos
Employment Type: Full-time

Job Description 

• We are seeking a highly skilled Senior Credit Analyst to lead the assessment and evaluation of credit applications for SME loans.
• The ideal candidate will be responsible for conducting in-depth credit analysis, assessing risk, and making sound recommendations to support the company’s lending decisions. 
• This role requires strong analytical skills, sound judgment, and a deep understanding of SME business operations and financial statements.

Responsibilities
Financial Statement Analysis:

• Analyze financial statements, credit reports and other relevant data to assess the creditworthiness of SME clients.
• Ascertain the Profitability, Liquidity, and Leverage ratio of the business to determine repayment capacity.
• Recommend eligible loan amounts for approval

Credit Risk Assessment:

• Evaluate credit risk associated with SME loan requests and provide recommendations on credit limits, terms and conditions.
• Evaluate economic, socio-political and regulatory factors that may affect the continuity or operations of the SME client.

Collateral Recommendation:

• Recommend an appropriate collateral mix acceptable by the bank to act as a buffer in the event of loan default
• Ensure that assets to be pledged as collateral are adequately valued by the Bank’s accredited valuers.
• Ensure the value of the asset to be pledged as collateral meets the Bank’s stipulated collateral coverage.

Loan Interview:

• Communicate with clients to gather financial information, clarify credit report discrepancies and provide credit decisions.
• Visit the client’s business premises for advanced due diligence depending on the loan amount or threshold set by the bank.

Loan Performance Review and Reporting:

• Review the performance of the SME portfolio on a monthly basis
• Generate a report to Management showing the collection efficiency rate of SME loans processed monthly.

Requirements

• Candidates should possess an HND qualification / BSC Degree with essential work experience.
• CIBN/ MCP is an added advantage.

Benefits

• Hybrid work model
• 13th month salary
• Leave Allowance
• HMO​.

Application Closing Date
6th June, 2025.

How to Apply
Interested and qualified candidates should send their CV to: careers@koinsbank.com using the Job Title as the subject of the email.