Credit Analyst

Job Profile for Credit Analyst

Our client in the financial services industry is seeking a detail-oriented Credit Analyst 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.

Position: Credit Analyst

Location: Ikoyi, Lagos

Work Type: Hybrid

Job Type: Full-time

Job Summary

The Credit Analyst will be responsible for assessing the creditworthiness of individuals, businesses or counterparties and support sound lending/investment decisions. The successful candidate will analyze financial statements, evaluate risk, and provide recommendations that balance growth with prudent risk management.

Key Responsibilities

• Analyze financial statements, cash flow, and credit history to assess borrower risk.
• Prepare credit memos and risk ratings for loan/credit committee review.
• Monitor existing portfolio accounts for covenant compliance and early warning signs.
• Build financial models to project repayment capacity and stress-test scenarios.
• Research industry trends, market conditions, and competitor positioning.
• Collaborate with relationship managers, underwriters, and legal/compliance teams.
• Ensure analysis complies with internal credit policy and regulatory requirements.
• Recommend credit limits, terms, and pricing based on risk assessment.

Qualifications

• First degree in Finance, Accounting, Economics, or related field.
• 2-5 years of credit analysis, underwriting, or related financial experience.
• Strong skills in financial statement analysis and modeling (Excel required).
• Familiarity with credit risk tools/software and rating methodologies.
• Excellent written and verbal communication for presenting findings.
• Detail-oriented with strong analytical and critical-thinking skills.

Method of Application:

Interested candidates should send CVs to using the position as the subject of the email on or before October 9, 2026.

Work Location: In person