Load Portfolio Specialist at Skache Intergrated Services Limited

Job Summary

An established company is seeking a skilled Loan Portfolio Specialist to join their team. The ideal candidate will be responsible for the comprehensive management of the organization's loan portfolio, including monitoring and analysis, risk mitigation, strategy, and reporting.

Key Responsibilities

Portfolio Management & Monitoring

• Track and analyze loan portfolio performance across all product segments
• Identify early warning signals of credit deterioration and initiate proactive remedial actions
• Monitor delinquency trends, non-performing loans (NPLs), and recoveries
• Prepare periodic reports on loan book health, segmentation, and performance metrics

Credit Risk Analysis

• Conduct portfolio stress testing, scenario analysis, and credit concentration assessments
• Recommend credit limits, risk ratings, and provisioning based on regulatory requirements (e.g., CBN Prudential Guidelines)
• Support implementation of internal credit risk models and risk appetite frameworks

Loan Quality Assurance

• Review loan documentation, collateral, and credit approvals for compliance
• Ensure accurate classification of loans (Performing, Pass & Watch, Substandard, Doubtful, Lost)
• Collaborate with credit and collections teams to enhance recovery processes

Reporting & Compliance

• Prepare monthly and quarterly regulatory returns and internal credit portfolio reports
• Ensure compliance with CBN, IFRS 9, and internal credit policy requirements
• Provide insights and recommendations to management for policy and process improvement

Stakeholder Engagement

• Liaise with Finance, Risk, and Collections teams to align portfolio reporting and provisioning
• Support management in investor, auditor, and regulatory reviews

Qualifications and Experience

• Bachelor's Degree in Accounting, Finance, Economics, or related field
• Professional certification such as ACA, ACCA, or CFA