Credit Analyst & Credit Administrator at BeeEx HR Consulting

BeeEx HR Consulting is a dynamic and forward-thinking human resource consulting firm committed to delivering tailored, end-to-end HR solutions that empower businesses to attract, develop, and retain top talent. With a deep understanding of diverse industry landscapes, BeeEx HR Consulting partners with organizations to optimize their people strategy, enhance operational efficiency, and drive sustainable growth.

Our core services include talent acquisition and recruitment, HR advisory, performance management systems, learning and development, organizational structuring, and compliance support. We pride ourselves on our client-centric approach, combining strategic insight with practical solutions to meet the evolving needs of modern workplaces.

At BeeEx HR Consulting, we operate with professionalism, integrity, and excellence, providing measurable value and fostering long-term partnerships that elevate both people and performance.

We are recruiting to fill the position below:

Job Title: Credit Analyst & Credit Administrator

Location: Lagos

Job Summary

• To support the retail lending process by performing comprehensive credit analysis of loan applications and managing the end-to-end credit administration process.
• The role ensures that credit decisions are well-informed, compliant with regulatory standards (e.g., CBN guidelines), and properly documented from approval to disbursement and monitoring.

Key Responsibilities
Credit Analysis Functions:

• Evaluate credit applications for individuals and SMEs, including financial analysis, credit scoring, and risk assessments.
• Conduct background checks, analyze cash flows, bank statements, and other financial records to determine creditworthiness.
• Recommend credit decisions with clear risk mitigation strategies.
• Prepare detailed credit proposals and present them to the Credit Committee.
• Ensure compliance with the bank’s credit policy and CBN regulations in all credit evaluations.
• Monitor the performance of approved credits, track early warning signals, and flag deteriorating exposures.

Credit Administration Functions:

• Manage the documentation and processing of approved loans, ensuring all required documents are complete and correctly filed.
• Maintain accurate and up-to-date credit files and records.
• Ensure that all pre-disbursement conditions are met before disbursing loans.
• Monitor post-disbursement activities, including loan repayment schedules, insurance, and collateral management.
• Generate periodic reports on credit portfolio performance, including aging analysis and non-performing loans (NPLs).
• Assist in regulatory reporting and internal audit requirements related to credit.
• Support recovery efforts by working with account officers and legal teams on delinquent accounts.

Key Performance Indicators (KPIs)

• Turnaround time for credit analysis and approvals.
• Accuracy and completeness of credit documentation.
• Non-performing loan ratio (NPL).
• Compliance with internal and regulatory credit requirements.
• Timeliness of credit reports and audits.

Qualifications & Experience

• Education: Bachelor’s Degree in Finance, Accounting, Banking, Economics, or a related field.
• Experience: Minimum of 3 years in credit analysis and/or credit administration within a financial institution or retail bank.
• Certifications (added advantage): Credit risk management certifications, ICAN, ACCA, or CIBN.

Skills & Competencies:

• Strong financial and credit analysis skills.
• Knowledge of CBN regulatory guidelines and local banking credit practices.
• Excellent attention to detail and documentation.
• Strong proficiency in Microsoft Office (especially Excel and Word).
• Good report writing and communication skills.
• Ability to work independently and under pressure.
• High level of integrity and confidentiality.

Salary
N300,000 - N350,000 / month.

Application Closing Date
31st March, 2026.