Recruit with Adenike is a recruitment and talent solutions brand committed to connecting high-performing professionals with forward-thinking organizations across diverse industries. From entry-level roles to executive placements, we help businesses attract, engage, and retain the right talent to fuel growth and success. Our approach is efficient, personalized, and rooted in a deep understanding of people and business needs.
We are recruiting to fill the position below:
Job Title: Credit Risk Officer
Location: Lagos
Employment Type: Full-time
Industry: Financial Institution
Job Summary
We are seeking an analytical and detail-oriented Credit Risk Officer to assess borrowers' creditworthiness, monitor loan portfolio performance, and support effective credit risk management.
The ideal candidate must have a background in Accounting, Finance, Economics, or a related field, with foundational knowledge of credit risk and lending processes.
Key ResponsibilitiesConduct credit assessments and analyze financial statements, cash flows, and audit reports to determine borrowers' creditworthiness.
Conduct due diligence visits to verify business operations, financial information, and repayment capacity.
Prepare credit approval memoranda outlining financial analysis, identified risks, and lending recommendations.
Develop and implement credit policies, risk assessment criteria, and lending decision rules.
Monitor loan portfolio performance, identify potential defaults, and recommend risk mitigation measures.
Collaborate with Product, Decision Science, and other teams to improve credit scoring models and lending decisions.
Identify potential fraud and operational risks and recommend appropriate controls.
Ensure compliance with applicable CBN guidelines, AML/CFT requirements, data protection regulations, and internal credit policies.
Prepare credit risk reports and recommend strategies to improve portfolio quality.
RequirementsBachelor's Degree in Accounting, Finance, Economics, Banking and Finance, or a related field.
Minimum of 1 year of experience in consumer credit, credit risk analysis, credit assessment, or credit portfolio management.
Good knowledge of financial statement analysis, credit assessment, and lending processes.
Ability to analyze audit reports, conduct due diligence visits, and prepare credit approval memoranda.
Basic understanding of credit risk management and regulatory requirements.
Strong analytical, numerical, communication, and report-writing skills.
Proficiency in Microsoft Excel and financial analysis tools.
Ability to balance business growth with effective risk management.
Non-Negotiable Requirements:
Financial statement analysis and audit report review.
Physical due diligence visits.
Preparation of credit approval memoranda.
Application Closing Date31st December, 2026.
How to Apply
Interested and qualified candidates should send their CV to: [Email hidden - Login to reveal] using the job title as the subject of the email.
How To Apply
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Click the Apply Now button above.
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Your default email application or the application link will open.
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Attach your Application letter, updated Curriculum Vitae (CV) and any supporting documents required.
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Use a professional subject line such as Application for "Indicate Position"
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Make sure to send your application before the closing date.
Note: Only shortlisted candidates are contacted.
