Credit Risk Analyst at Addosser Microfinance Bank

ADDOSSER Microfinance Bank Limitedplays an important role in widening the finance options available to MSMEs by providing finance for their businesses through value added products and services.

Founded in 2008, Addosser Microfinance Bank Limited is one of the leading Microfinance banks in Nigeriaofferinga broad range of products and services, to serve it’s over 103,000 customers through our four business groups: Retail and Microenterprise Banking, SME Banking, Consumer Banking and Specialized products & investment.

We are recruiting to fill the position below:

Job Title: Credit Risk Analyst

Location: Lagos
Employment Type: Full-time

Responsibilities

• Evaluate customers' loan applications in line with the organisation's credit policy.
• Identify critical risks in credit requests and provide advice on how requests can be restructured in line with the bank’s risk appetite.
• Has relevant experience in analysing consumer and SME loans.
• Organisation of the credit committee.
• Portfolio management & reporting.
• Create innovative credit evaluation processes and systems.
• Evaluate clients for credit worthiness based on our internal risk models & their application information.
• Detect fraudulent applications and unreliable applicants.
• Review Facility Letters and Loan Agreements, scrutinising the signed documents to ensure the accuracy of the contracts.
• Continuously ensure alignment/compliance with the credit risk management framework.
• Continuously analyse and recommend improvements on the credit risk management framework, processes and systems.
• Preparation of statutory reports.

Qualification / Requirements

• A First Degree in Economics, Finance or any other discipline, a Master’s Degree is an added advantage.
• 2 - 5 years’ relevant experience in the Financial Services Industry.
• Good knowledge of accounting and relevant lending ratios.
• Experience in Credit Risk Management
• Data Analytics and Effective Communication
• Good Knowledge of Credit Analysis and Appraisal
• Experience in SME
• Good reporting skills.

Application Closing Date
19th March, 2026. 

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