Senior Credit Analyst at Sage-Grey Finance Limited

Sage Grey Finance Limited (“Sage Grey Finance” or “the Company”) is licensed and regulated by the Central Bank of Nigeria as a finance company and is integrated to the Nigerian Interbank Settlement System (NIBSS). We are focused on lending, fund managements, investments and advisory services. Sage Grey Finance Limited is proud to be one of the leading impact finance institutions in Nigeria with a proven track record of impact investment and dedicated to supporting SMEs, women, youth, and underserved sectors through tailored credit products and strategic partnerships.

We are recruiting to fill the position below:

Job Title: Senior Credit Analyst

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

Summary

• The Senior Credit Analyst is responsible for leading the evaluation of credit applications, ensuring robust risk assessment, and maintaining portfolio quality.
• The role is pivotal in safeguarding the institution’s financial sustainability by providing expert analysis, risk insights, and recommendations that enable sound lending decisions and alignment with strategic goals, including impact-focused lending.

Responsibilities
Credit Assessment & Analysis:

• Conduct in-depth credit appraisals, including financial statement reviews, cash flow projections, and sensitivity analyses.
• Assess loan proposals and recommend suitable credit terms in line with the applicant’s risk profile.
• Review and validate supporting documentation such as invoices, contracts, and bank statements.
• Provide independent, well-substantiated credit recommendations to the Credit Committee.

Risk Evaluation & Monitoring:

• Identify and assess inherent and emerging risks in credit transactions, recommending effective mitigants.
• Maintain and enhance credit grading models, scoring frameworks, and risk-rating tools.
• Monitor the loan book to identify early warning signs, conduct stress tests, and propose corrective actions.

Portfolio Management:

• Track and report on the performance of all credit products (e.g., SME Loans, Vendor Loan Schemes).
• Recommend restructuring, recovery strategies, or remedial actions where required.
• Support management with comprehensive portfolio reports, risk trend analyses, and regulatory submissions.

Documentation & Compliance:

• Ensure loan files are complete, accurate, and compliant with internal credit policies and regulatory guidelines.
• Collaborate with Legal, Compliance, and Risk teams to ensure full KYC/AML checks and policy adherence.
• Prepare timely reports on portfolio quality, delinquency ratios, and sector exposures.
• Stay abreast of regulatory developments, macroeconomic shifts, and industry best practices in credit analysis.

Leadership & Team Management:

• Provide leadership, mentorship, and technical guidance to junior credit analysts and other members of the credit team.
• Oversee workload allocation, set performance targets, and monitor progress within the credit function.
• Foster a culture of accountability, continuous learning, and high professional standards.
• Act as a key liaison between the credit team and senior management.
• Support capacity building by delivering training sessions and knowledge-sharing initiatives on credit risk, portfolio monitoring, and compliance.

Qualifications and Experience

• Bachelor’s Degree in Finance, Economics, Business Administration, or related discipline.
• Minimum of 5 - 7 years of experience in credit analysis within a financial institution.
• Demonstrated expertise in financial statement analysis, cash flow modeling, and credit risk assessment.
• Solid understanding of lending dynamics, particularly within the Nigerian market.
• Proven experience in leading and managing credit teams or mentoring junior analysts.

Competencies & Attributes:

• Strong leadership, coaching, and team-building capabilities.
• Exceptional analytical and problem-solving skills with meticulous attention to detail.
• Excellent written and verbal communication skills, with ability to present complex information clearly.
• High level of integrity, accountability, and sound judgment.
• Ability to manage multiple priorities and stakeholders under tight deadlines.
• Proactive, self-driven, and adaptable to evolving market and regulatory conditions.

Application Closing Date
10th September, 2025.

How to Apply
Interested and qualified candidates should send their CV to: careers@sage-grey.com using the job title as the subject of the email.