About the Role
First Ally Capital is a premier financial advisory and issuing house licensed by the Securities and Exchange Commission, committed to delivering exceptional financial services within the dynamic Nigerian market. We are currently seeking a meticulous and experienced Credit Risk Analyst to join our growing team in Lagos. In this role, you will play a critical part in safeguarding our financial assets by conducting comprehensive credit appraisals, monitoring portfolio performance, and mitigating emerging risks. If you possess a sharp eye for financial detail and a passion for risk management within the financial sector, this is an excellent opportunity to advance your career with a reputable institution.
Key Responsibilities- Analyze loan applications, financial statements, and borrower repayment capacity to determine creditworthiness.
- Prepare comprehensive credit recommendations and identify appropriate risk mitigants for various transactions.
- Monitor Portfolio at Risk (PAR), overdue loans, and emerging credit risks across the portfolio.
- Identify and escalate early-warning signals and risk alerts proactively to management.
- Support recovery efforts on delinquent facilities in collaboration with relevant internal teams.
- Ensure strict compliance with internal credit policies, regulatory guidelines, and documentation requirements.
- Monitor credit processing turnaround time to ensure operational efficiency.
- Prepare detailed credit risk and portfolio performance reports for stakeholders.
- Bachelor’s degree in Finance, Accounting, Economics, Banking & Finance, Business Administration, or a related discipline.
- Minimum of 3 years of relevant credit risk or credit analysis experience within the financial services industry.
- Prior experience in banking or microfinance is considered a strong added advantage.
- Strong proficiency in financial statement analysis, credit evaluation, advanced Microsoft Excel, and reporting.
- Excellent analytical, problem-solving, and communication skills with high attention to detail.
- Competitive salary commensurate with industry standards.
- Comprehensive health insurance coverage.
- Opportunities for continuous professional development and career advancement.
- A collaborative, dynamic, and professional work environment.