Loan Portfolio Specialist at Strivo Labs

Job Summary

The Loan Portfolio Specialist is responsible for monitoring, analyzing, and managing the performance of the organization's loan portfolio. The role ensures credit quality, compliance with internal policies and regulatory guidelines, and effective recovery strategies to maintain a healthy portfolio.

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 action
• 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 the 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