Senior Credit Analyst 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

Location: Lagos
Employment Type: Full-time

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 request and provide recommendations on credit limits, terms and condition.
• Evaluate economic, socio political and regulatory factors that may affect the continuity or operations of the SME client.

Collateral Recommendation:

• Recommend appropriate collateral mix acceptable by the bank to act as a buffer in the event of loan default
• Ensure 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 SME portfolio on a monthly basis
• Generate a report to Management showing the collection efficiency rate of SME loans processed monthly.

Requirements / Qualifications

• Bachelor's Degree / HND preferably in Banking and Finance, Accounting, Business Administration, Economics. (other disciplines can be considered)
• Minimum of 2 years experience as an SME analyst.

Application Closing Date
23rd February, 2026.

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