About the Role
Resort Consult Limited is recruiting a dynamic Head of Credit for a fast-growing Tier-2 Microfinance Bank located in Ikere, Ekiti State. This senior management role requires an analytical and results-driven financial professional to lead the Credit Division, ensuring optimal portfolio health, effective risk mitigation, and strict adherence to Central Bank of Nigeria guidelines.
Key Responsibilities- Formulate, review, and implement credit policies and underwriting standards aligned with regulatory frameworks and organizational risk appetite.
- Oversee portfolio quality, drive delinquency management, and maintain the Non-Performing Loan ratio below regulatory limits.
- Evaluate, structure, and approve credit requests for MSMEs, group lending, and retail clients.
- Direct credit recovery operations, manage default portfolios, and supervise legal and field recovery teams.
- Ensure full compliance with CBN credit risk management frameworks and internal governance policies.
- Supervise, mentor, and build capacity among credit analysts, loan officers, and field recovery personnel.
- Prepare and present periodic portfolio quality and credit risk management reports to the Board Credit Committee.
- Bachelor degree in Banking and Finance, Accounting, Economics, or a related discipline; a Master degree is an added advantage.
- Minimum of 5 years of relevant experience in financial services, with at least 2 years in a managerial credit role within a Microfinance or Deposit Money Bank.
- Mandatory Microfinance Certified Banker qualification; additional certifications such as ACIB, ACA, or ACCA are advantageous.
- Deep expertise in MSME lending, credit scoring, loan workout structures, and core banking software.
- Solid understanding of the Ekiti State business environment and micro-entrepreneurial trends.
- Competitive and attractive remuneration package.
- Performance-based incentives commensurate with industry standards.
- Opportunities for professional growth within a reputable financial institution.