Credit Risk Officer at Addosser Finance Limited

Addosser Finance Limited is a fast growing Finance Company licensed by Central Bank of Nigeria on the foundation of integrity, best practices and excellence to deliver innovative and bespoke financial solutions to SMEs and individuals. We are a reliable financial partner that provides a plethora of easily accessible financial solutions such as Loans, Leases, Corporate Financing and Advisory Services to bridge the funding gap for individuals, business owners and corporate institutions. We also offer investment solutions tailored to help our client’s grow their wealth and meet their financial goals.

We are recruiting to fill the position below:

Job Title: Credit Risk Officer

Location: Ikoyi, Lagos
Employment Type: Full-time

Job Description

• Evaluate customers' loan applications in line with the organization'scredit policy.
• Identify critical risks in credit request and provide advisory on how requests can be restructured in line with the bank’s risk appetite.
• Has relevant experience in analyzing consumer and SME loans.
• Organization of credit committee.
• Portfolio management & reporting.
• Create innovative credit evaluation processes and systems.
• Evaluate clients for credit worthiness based our internal risk models & their application information.
• Detect fraudulent applications, and unreliable applicants.
• Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts.
• Continuously ensure alignment/compliance to the credit risk management framework.
• Continuously analyze and recommend improvement on credit risk management framework, processes and systems.
• Preparation of statutory reports.

Qualifications / Requirements

• A First Degree in Economics, Finance or any other discipline, Master’s Degree is an added advantage.
• 2-3 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
15th April, 2022.