04 Jul

Senior Credit Officers

Lagos Mainland, Lagos
  • Full-Time
  • ₦Negotiable
  • Closing Date: 21-Sep-2019


The senior credit officer is responsible for the review of the organization’s loan portfolio on a continuing basis in order to prevent or ameliorate loan losses; assure documentation is in compliance with loan committee approvals and ensure internal compliance objectives are met. 

Job Description

  • Oversee the full range of managerial duties for the loan review, compliance, collections and credit analysis functions including adherence to policies and practices of the organization.
  • Implement a system of credit analysis and quality assurance for loans made as required by board directives.
  • Examine files periodically for assurance of credit and collateral documentation, regulatory compliance and loan policy conformance; review technical exceptions and deficiencies.
  • Prepare written analyses on all large loans, aggregate lending vs. indebtedness for individual borrowers, complex loans and weak loans.
  • Identify problem loans, make recommendations for assignment of loans to review loan list that is reviewed quarterly with the board; discuss the status of problem loans with the CFO and senior lending officers and may make recommendations regarding the future credit information needs.
  • Provide quarterly analyses of the adequacy of the allowance for loan and lease losses for board discussion.
  • Prepare periodic board reports.
  • Prepare periodic studies of various portions of the loan portfolio including past due reports, concentrations of credit, etc. for the benefit of supervisory and executive officers.
  • Evaluate and recommend policy changes based on compliance or loan reviews and the dissemination of other pertinent facts.

Skills Experience

·         Bachelor’s degree in a related field.

  • Minimum 3-5 years experience in bank lending, loan review and/or compliance and loan review/compliance procedures and policies.
  • Financial Management.
  • Problem Solving/Analysis.
  • Presentation Skills.
  • Technical Capacity.