Credit Risk Officer at a Financial Services Compnay - Peridot Forte Solutions Consulting

Peridot Forte Solutions Consulting - Our client in the financial services industry is recruiting to fill the position below:

Job Title: Credit Risk Officer

Location: Abuja (FCT) 
Employment Type: Full-time
Work Type: Hybrid

Job Summary

• Our client is seeking a detail-oriented Credit Risk Officer to evaluate, monitor, and manage the company’s credit exposure, reduce lending risk, and maintain a healthy loan portfolio while ensuring sound lending decisions that protect company assets.
• The Credit Risk Officer will be responsible for assessing borrower credit worthiness, conducting financial analysis, monitoring portfolio risk, and ensuring compliance with credit policies.
• The role involves preparing credit memos, performing stress testing, identifying high-risk accounts, and supporting loan restructuring and recovery strategies to safeguard the company’s assets.

Responsibilities

• Review and analyze loan applications from individuals and businesses; assess creditworthiness using financial statements, credit reports, and business performance data.
• Conduct risk scoring and recommend approval, decline, or loan restructuring.
• Prepare credit memos and risk reports for management decision-making.
• Analyze income, cash flow, debt ratios, and repayment capacity; evaluate business models and industry risks.
• Perform stress testing and scenario analysis.
• Monitor existing loan portfolio for early warning signs and track loan performance.
• Identify high-risk accounts and recommend mitigation actions.
• Support loan restructuring and recovery strategies.
• Ensure lending decisions comply with company credit policy; help develop and update credit risk frameworks.
• Maintain proper documentation and audit trail for all credit files.
• Support regulatory and internal audit requirements.
• Prepare weekly/monthly credit risk reports and portfolio health dashboards.
• Present findings and recommendations to management.

Requirements

• First Degree in Finance, Accounting, Economics, Banking, or a related field.
• Professional certifications in credit risk management are a plus.
• 3-4 years’ experience in lending, microfinance, fintech, investment firms, credit analysis, or risk management.
• Strong financial statement analysis and credit risk modelling skills.
• Advanced proficiency in Excel or Google Sheets.
• Knowledge of the lending lifecycle and Nigerian credit environment & regulations.
• Strong analytical, critical thinking, and attention to detail.
• Excellent written and verbal communication skills.
• Ethical judgement, integrity, and ability to make data-driven decisions.

Application Closing Date
8th May, 2026.

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