Head of Credit

Job Description

Responsibilities

• Develop and implement credit policies and underwriting standards.
• Oversee loan portfolio quality and maintain NPLs within regulatory limits.
• Evaluate and approve credit requests for MSMEs, retail, and group lending clients.
• Identify and mitigate credit risks across loan products.
• Lead loan recovery and delinquency management activities.
• Collaborate on the development of market-relevant loan products.
• Ensure compliance with CBN, NDIC, and internal credit governance frameworks.
• Supervise and mentor credit analysts, loan officers, and recovery teams.
• Prepare portfolio and credit risk reports for management and board committees.

Requirements

• Bachelor's Degree in Banking & Finance, Accounting, Economics, Agricultural Economics, or a related field.
• Master's Degree is an added advantage.
• Minimum of 5 years' relevant financial services experience, including at least 2 years in a supervisory or managerial credit role.
• MCIB/MCP certification is mandatory.
• Additional certifications such as ACIB, ACA, or ACCA are an advantage.
• Strong expertise in MSME lending, credit analysis, loan recovery, and core banking software.
• Good knowledge of the Ekiti business environment and agricultural value chains.
• Strong analytical, leadership, negotiation, and decision-making skills.
• Remuneration: Attractive and performance-based.

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