Junior Credit Officer at Sage-Grey Finance Limited

Sage Grey Finance Limited (“Sage Grey Finance” or “the Company”) is a finance services company incorporated in Nigeria. We are licensed and regulated by the Central Bank of Nigeria (CBN) and are integrated into the Nigerian Interbank Settlement System (NIBSS). We are members of the Finance Houses Association of Nigeria (FHAN). We offer Lending Services (Project Finance, Asset Finance, Corporate finance, Consumer Loan, etc.), Fund Management Services, Advisory Services, and other services as authorized by the Central Bank of Nigeria.

We are recruiting to fill the position below:

Job Title: Junior Credit Officer

Location: VI (Oniru Road) - Lagos
Employment Type: Full-time

Role Summary

• The Junior Credit Officer will support the credit and investment functions of the organization, with a focus on evaluating loan applications, assessing investment opportunities, and conducting due diligence on project funding proposals.
• The role involves financial modelling, risk assessment, documentation review, and portfolio monitoring across the Company's lending, investment, and project finance activities.

Key Responsibilities

• Evaluate loan applications and investment proposals, including financial analysis, cash flow assessment, collateral valuation, and counterparty due diligence.
• Prepare credit recommendation memos and investment memoranda with clear risk-return analysis for presentation to the Credit Committee.
• Support project funding evaluations, including feasibility studies, sensitivity analysis, and review of business plans, technical reports, and legal agreements.
• Monitor the performance of the loan and investment portfolio, tracking repayments, covenants, maturities, and early warning signs of potential defaults.
• Prepare periodic portfolio reports, including delinquency analysis, investment performance summaries, and risk concentration metrics.
• Ensure compliance with internal credit policies, risk frameworks, and regulatory requirements (CBN, SEC, etc.), while maintaining accurate documentation for all transactions.
• Liaise with internal teams (Legal, Risk, Operations) and external stakeholders (banks, consultants, legal counsel) to facilitate seamless transaction processing, and perform any other tasks as assigned.

Requirements

• Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a related field.
• 2–4 years of experience in credit analysis, investment analysis, project finance, or banking operations.
• Experience in a financial institution is mandatory.
• Strong understanding of financial statements, ratio analysis, cash flow modelling, and credit risk principles.
• Proficiency in Microsoft Excel (financial modelling, pivot tables, VLOOKUP) and Microsoft Word.
• Familiarity with investment instruments and project finance structures is an advantage.
• Strong analytical, problem-solving, and numerical skills with high attention to detail.
• Integrity, confidentiality, and ability to work under pressure.

Key Skills:

• Credit analysis and underwriting.
• Investment appraisal and due diligence.
• Project finance and feasibility assessment.
• Risk identification and mitigation.
• Financial modelling and forecasting.
• Portfolio monitoring and reporting.
• Stakeholder engagement.
• Integrity and confidentiality.

Application Closing Date
12th July, 2026.

Method of Application
Interested and qualified candidates should send their CV to: careers@sage-grey.com using "Junior Credit Officer" as the subject of the mail.