Credit Officer at First Excelsia

About the Role

First Excelsia is seeking a detail-oriented and proactive Credit Officer to join their team in Lagos, Nigeria. The ideal candidate will have experience in credit analysis, loan underwriting, and financial risk assessment, with a proven ability to make informed credit decisions while maintaining portfolio quality.

Key Responsibilities

• Review loan applications and assess borrower creditworthiness through financial and risk analysis
• Approve, reject, or recommend modifications to loan requests in line with company policies and regulatory requirements
• Ensure accurate documentation and maintain up-to-date customer records
• Monitor loan performance, follow up on repayments, and support collections on delinquent accounts
• Communicate with clients and relationship managers to gather information and explain credit terms
• Collaborate with risk and collections teams to maintain portfolio quality
• Prepare reports on loan decisions, portfolio performance, and emerging risks

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field
• 2–3 years of experience in credit analysis, lending, or financial services
• Strong understanding of financial analysis, credit risk assessment, and loan underwriting practices
• Familiarity with credit bureaus, credit scoring, and financial regulations

Key Skills and Competencies

• Excellent analytical, communication, and decision-making skills
• Ability to work under pressure, meet deadlines, and manage multiple priorities
• High level of accuracy, ethics, and commitment to compliance

Compensation

Annual Gross Remuneration: 2.4M