Credit Analyst at Nuggets Microfinance Bank

Nuggets Microfinance Bank is a wholly indigenous company led by a team of accomplished corporate executives and seasoned entrepreneurs from various sectors of the Economy.

The company has assembled formidable and tested Professionals with excellent track records in the industry and is undergoing a strategic blueprint from the GO on every area of it culture, operations, financial performance and corporate governance in order realize its sustainability and profitability objectives.

We are recruiting suitable candidates to fill the position below:

Job Title: Credit Analyst

Location: Lagos
Job Type: Full-time

Job Summary

• We are seeking a detail-oriented and analytical Credit Analyst to evaluate loan applications, assess creditworthiness, and ensure sound lending decisions.
• The ideal candidate will have experience in credit risk assessment, financial analysis, and portfolio management within the microfinance or banking sector in Nigeria.

Key Responsibilities

• Evaluate loan applications to determine creditworthiness in line with institutional policies.
• Conduct detailed financial, business, and character assessments of prospective clients.
• Perform field visits to verify customer information and assess business viability.
• Analyze credit data, financial statements, and collateral to identify risks and recommend approval or rejection.
• Ensure proper documentation and compliance with regulatory and internal credit standards.
• Monitor existing loan accounts and follow up on repayments to maintain portfolio quality.
• Generate credit reports and provide recommendations to the credit committee.
• Support business development teams with credit risk insights and product structuring.

Requirements

• Bachelor’s Degree / HND in Finance, Economics, Accounting, Business Administration, or related field.
• Minimum of 1 - 3 years’ experience as a Credit Analyst, Loan Officer, or similar role in a microfinance bank or financial institution.
• Strong knowledge of credit risk management, loan evaluation techniques, and microfinance lending practices.
• Excellent analytical, problem-solving, and decision-making skills.
• Proficiency in Microsoft Excel and financial analysis tools.
• High attention to detail and strong ethical standards.

Key Competencies:

• Credit risk assessment and financial analysis.
• Portfolio monitoring and management.
• Communication and report writing.
• Regulatory compliance awareness.
• Integrity and confidentiality.

Application Closing Date
Not Specified.

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