FirstExcelsia is a firm of highly versatile and renowned Human Resources, Organisational Development and Management consultants. We have an in-depth understanding of the Nigerian business terrain and we are very passionate about partnering with indigenous organisations to develop world class yet localized systems, processes and structures required to achieve
Credit Analyst
- Job Type: Full Time
- Qualification: BA/BSc/HND
- Experience: 2 – 3 years
- Location: Lagos
- City: Lekki
- Job Field: Finance / Accounting / Audit
- Salary Range: ₦150,000 – ₦200,000/month
Annual Gross Remuneration: 2.4M
Our client, Flexiti Limited, is seeking a detail-oriented and proactive Credit Officer to join their team. The ideal candidate will have experience in credit analysis, loan underwriting, and financial risk assessment, with a proven ability to make informed credit decisions while maintaining portfolio quality.
Job Responsibilities
- Review loan applications and assess borrower creditworthiness through financial and risk analysis.
- Approve, reject, or recommend modifications to loan requests in line with company policies and regulatory requirements.
- Ensure accurate documentation and maintain up-to-date customer records.
- Monitor loan performance, follow up on repayments, and support collections on delinquent accounts.
- Communicate with clients and relationship managers to gather information and explain credit terms.
- Collaborate with risk and collections teams to maintain portfolio quality.
- Prepare reports on loan decisions, portfolio performance, and emerging risks.
Person Specification
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field.
- 2–3 years of experience in credit analysis, lending, or financial services.
- Strong understanding of financial analysis, credit risk assessment, and loan underwriting practices.
- Familiarity with credit bureaus, credit scoring, and financial regulations.
- Excellent analytical, communication, and decision-making skills.
- Ability to work under pressure, meet deadlines, and manage multiple priorities.
- High level of accuracy, ethics, and commitment to compliance.
Method of Application
Interested and qualified candidates should forward their CV to: talentsearch@firstexcelsia.com using the position as subject of email.
