Credit Supervisor at a Tier 1 Microfinance Bank

Job Title: Credit Supervisor

Description

• We are on the lookout for talented, ambitious, and dynamic professionalsto join their growing team!
• This is not just another job—it is an opportunity to be part of afast-paced, innovative, and customer-focused financial institutionthat is transforming banking as we know it.
• Whether you are a sales dynamo, a numbers ninja, a compliance genius, or a fresh-faced graduate ready to conquer the world, we have a seat for you at our table.

Job Summary

• Responsible for overseeing and managing the credit operations within the institution. This role involves ensuring that loan applications are processed efficiently and in compliance with internal policies and regulatory requirements. 
• The Credit Supervisor also monitors credit risk, supervises credit staff, and provides strategic guidance to optimize the credit portfolio and support the bank’s growth objectives.

Key Roles and Responsibilities
Credit Risk Management:

• Assess and mitigate credit risk by reviewing and approving loan applications based on risk assessments and credit policies.
• Monitor and analyze the performance of the credit portfolio to identify potential risks and take corrective actions.

Policy Compliance:

• Ensure that all credit activities comply with the bank’s credit policies, regulatory requirements, and industry best practices.
• Implement and enforce internal controls to minimize fraud and operational risks.

Supervision and Leadership:

• Manage and mentor a team of credit officers or analysts, providing guidance, support, and performance evaluations.
• Facilitate training and development programs to enhance the skills and knowledge of credit staff.

Loan Processing and Approval:

• Oversee the loan processing workflow to ensure timely and accurate loan approvals.
• Review and validate credit reports, financial statements, and other documentation to make informed credit decisions.

Credit Portfolio Management:

• Monitor and manage the bank’s credit portfolio, ensuring optimal performance and alignment with strategic goals.
• Review and adjust credit limits, terms, and conditions as needed to maintain portfolio health.

Client Interaction:

• Engage with clients to address complex credit-related queries and resolve issues related to loan applications or repayments.
• Maintain strong client relationships to support business development and customer satisfaction.

Reporting and Documentation:

• Prepare and present detailed reports on credit performance, risk exposure, and compliance to senior management.
• Ensure accurate and up-to-date documentation of all credit transactions and decisions.

Process Improvement:

• Identify opportunities for process improvements in credit operations to enhance efficiency and effectiveness.
• Implement best practices and new technologies to streamline credit processes.

Regulatory Liaison:

• Stay updated on changes in regulatory requirements and ensure the bank’s credit practices comply.
• Coordinate with external auditors and regulators during audits and inspections.

Qualification and Skills

• Candidate should possess a Bachelor’s Degree in Finance, Accounting, or related field.
• Experience in credit analysis or lending is preferred.
• Strong analytical and decision-making skills.
• Knowledge of credit policies and risk management.
• Excellent leadership and supervisory abilities.
• Proficiency in credit analysis software and Microsoft Office.
• Strong communication and negotiation skills.

Salary
N2,000,000 – N4,000,000 / Annum plus growth opportunities

Why should you apply?

• A professional yet energetic work environment
• A team that values innovation and collaboration
• The chance to make a real impact in the financial sector

Application Instructions:

The application deadline is 30th April, 2025. Therefore, Qualified and interested candidates can: “CLICK HERE TO APPLY ONLINE”. It is important to visit the official website (link found below) for detailed information on how to apply successfully for this vacancy.