Credit Review Officer at Kaylog Economic Freedom Campaign (KEFC)

Job Summary

Kaylog Economic Freedom Campaign (KEFC) is seeking a dynamic Credit Review Officer to join our public sector unit. The ideal candidate will be a results-driven professional with a passion for excellence, thriving in fast-paced environments and bringing strong analytical skills to drive operational excellence and strategic impact.

The Credit Review Officer will be responsible for conducting thorough reviews of loan applications and existing credit portfolios to ensure compliance with Kaylog's credit policies, internal controls, and regulatory guidelines.

Key Responsibilities

• Conduct independent credit reviews of loans granted to public servants and paramilitary personnel to ensure compliance with approved credit policies and risk appetite
• Review credit appraisal quality, including income stability, length of service, retirement horizon, and debt service capacity
• Verify authenticity and completeness of borrower documentation, including employment confirmation, payroll slips, service numbers, ranks, and retirement dates
• Assess and validate payroll deduction arrangements, check-off mandates, and repayment structures to ensure sustainability of loan facilities
• Monitor the quality and performance of the public sector loan portfolio, identifying delinquency trends, early warning signals, and emerging credit risks
• Track management responses to credit review findings and ensure timely resolution of identified issues
• Recommend improvements to credit policies, lending processes, and risk assessment frameworks for public sector lending
• Provide advisory and capacity-building support to relationship officers on public sector credit risk management

Qualifications & Requirements

• Minimum OND (Ordinary National Diploma) in any discipline
• Proven experience in microfinance, banking, or financial services
• Strong leadership and team management skills
• Excellent business development and strategic planning abilities
• Knowledge of financial products and credit risk management

Location

Lagos, Nigeria