Company Overview
SEA-FAJ Consults Limited is a multinational recruitment and outsourcing agency operating in the United Kingdom and Nigeria. We deliver end-to-end talent solutions to organisations with a strong focus on regulatory compliance, financial services recruitment, and professional staffing solutions.
Role Overview
SEA-FAJ Consults is recruiting on behalf of our client for a detail-oriented and analytical Credit Analyst. The role is responsible for assessing the creditworthiness of individuals and businesses, analyzing financial data, and making informed credit recommendations in line with internal credit policies and Central Bank of Nigeria (CBN) prudential guidelines.
Key Responsibilities
Loan Appraisal & Analysis
Conduct detailed credit assessments for loan applications including working capital loans, LPO financing, invoice discounting, and distribution finance.
Analyze financial statements, bank records, cash flow patterns, and debt servicing capacity of applicants.
Evaluate collateral quality, credit history, business performance, industry risk, and macroeconomic conditions.
Risk Assessment & Decision Support
Assign internal credit risk ratings and recommend appropriate credit limits and loan structures based on risk appetite.
Prepare detailed credit reports and credit memos for Credit Committee review and approval.
Identify early warning signals and potential credit risks in loan applications and existing exposures.
Compliance & Documentation
Ensure full compliance with internal credit policies, credit risk acceptance criteria, and CBN prudential guidelines, including classification, provisioning, and exposure limits.
Verify and validate all required loan documentation such as CAC documents, board resolutions, invoices, and financial statements.
Support proper documentation management for loan files and post-disbursement records.
Monitoring & Portfolio Management
Monitor performance of disbursed loans through periodic reviews, site visits, and borrower engagement.
Participate in portfolio analysis, stress testing, and monthly performance reporting.
Identify watch-list accounts and recommend restructuring, recovery, or remedial actions where necessary.
Essential Qualifications & Requirements
Bachelor’s degree (B.Sc. or HND) in Finance, Accounting, Economics, or a related field.
2–4 years of relevant experience in credit analysis, lending, or risk management within a financial institution.
Strong understanding of credit risk principles and financial statement analysis.
Knowledge of Central Bank of Nigeria (CBN) prudential guidelines and credit regulations.
Strong analytical and quantitative skills.
Excellent attention to detail and sound judgment.
Strong report writing and documentation skills.
Proficiency in Microsoft Excel and credit evaluation or loan management systems.
Desired Experience
Experience in evaluating SME and corporate loan applications.
Background in financial services, microfinance, or banking institutions.
Experience in credit scoring, financial modelling, and risk rating systems.
Exposure to portfolio monitoring, stress testing, and loan recovery processes.
Familiarity with regulatory reporting requirements and credit compliance frameworks.
Experience working in a target-driven, structured credit environment.
Benefits
Performance-based incentives where applicable.
Health Management Organisation (HMO) coverage.
Pension scheme with employer contributions.
Annual leave and statutory holidays.
Training and professional development opportunities.
Exposure to structured financial and credit risk environments.
Why Join Us?
This role provides an opportunity to build a strong career in credit risk analysis within a regulated financial environment. You will gain hands-on exposure to credit decisioning, portfolio management, and regulatory compliance while contributing to sound lending practices and portfolio quality.
