Credit Risk Officer

About the Role

Radix Capital Partners Limited is a well-capitalized financial institution backed by over two decades of professional expertise in the Nigerian economic environment. We are seeking a diligent and analytical Credit Risk Officer to join our dynamic team and drive our credit assessment and underwriting operations. In this role, you will play a crucial part in evaluating borrowers, mitigating risks, and ensuring the sustainability of our loan portfolio.

• Review and assess loan applications across all company loan products.
• Conduct detailed creditworthiness assessments for individual and business borrowers.
• Analyse financial statements, bank statements, and income records.
• Evaluate repayment capacity, credit history, and financial obligations.
• Perform background checks, credit bureau verifications, and due diligence.
• Identify potential credit risks and recommend effective risk mitigation strategies.
• Prepare comprehensive credit assessment reports for loan approval, rejection, or restructuring.
• Ensure compliance with internal credit policies and regulatory standards.
• Collaborate with Sales and Collections teams for efficient portfolio management.

• Bachelor's degree in Finance, Accounting, Economics, Banking, or a related field.
• 2 to 3 years of proven experience in credit risk, loan underwriting, or credit analysis within a Nigerian lending institution or bank.
• Strong proficiency in financial statement analysis and risk assessment.
• Familiarity with credit bureau checks and modern loan management systems.
• Exceptional analytical, numerical, and problem-solving skills with high attention to detail.

• Competitive salary package with performance-based incentives.
• Comprehensive health insurance coverage.
• Opportunities for professional development and career advancement.
• A collaborative and growth-oriented work environment in a reputable financial institution.

Skills