Credit Officer

Financial Institution

Job Overview

Location

Lagos, Lagos, Nigeria

Employment Type

Full-time

Work Arrangement

On-site

Sector

Finance & Banking

Experience Level

Mid-level (3-5 years)

Application Deadline

March 15, 2026

About the Company

Lighthouse Capital is a prominent financial institution operating within Nigeria's dynamic capital market. As a dedicated Finance House, we are committed to providing robust financial solutions and fostering economic growth. Our operations are guided by a strong emphasis on risk management and adherence to regulatory standards, ensuring the stability and integrity of our services. We pride ourselves on a collaborative and professional work environment that encourages career development and offers exposure to diverse financial landscapes.

Job Description

We are seeking a diligent and analytical Credit Officer to join our esteemed financial institution.

In this pivotal role, you will be responsible for evaluating the creditworthiness of potential and existing clients, ensuring our lending practices align with company risk appetite and regulatory mandates. Your expertise will be crucial in balancing financial risk with strategic business development.

Key respons responsibilities include conducting thorough credit analyses, performing in-depth financial statement evaluations, and managing the loan application process from start to finish. You will also monitor existing client repayment behaviors and ensure strict compliance with all relevant lending laws and internal policies.

To apply for this role, click the Apply button on this page and follow the instructions.

Required Skills

Credit AnalysisFinancial Statement AnalysisRisk ManagementLoan Management SystemsMicrosoft ExcelNigerian Lending RegulationsAML/KYCFinancial ModelingProblem-SolvingOrganizational SkillsAttention to DetailIntegrityCommunication SkillsLeadership SkillsConfidentiality

Key Responsibilities

Conduct thorough credit analysis of individuals and businesses by evaluating financial history, credit scores, and legal documentation.
Perform in-depth financial statement analysis, including balance sheets, P&L statements, and cash flow reports to determine repayment capacity.
Apply risk-grading models and calculate key financial ratios, such as debt-to-income and debt-service coverage.
Manage the application process from initial interview through to approval or rejection recommendations based on company policy.
Track the repayment behavior of existing clients to identify and report early warning signs of default or financial distress.
Ensure all credit activities comply with local lending laws, AML/KYC requirements, and internal financial policies.
Work closely with the collections department to develop restructure plans for delinquent accounts.

Qualifications

Minimum of a B.Sc./HND in Accounting, Finance, Economics, or a related business discipline.
Chartered Accountant (ICAN) is mandatory.
Additional certifications like Certified Credit Professional (CCP) or CFA are an added advantage.
3–5 years of proven experience in credit analysis and risk management, preferably within financial services or capital markets.
Proficiency in loan management systems (ERP) and advanced Microsoft Excel skills.
Strong understanding of Nigerian lending regulations and reporting requirements.
Exceptional precision in analyzing data and identifying financial "red flags".
Excellent analytical, problem-solving, and organizational skills.
Strong attention to detail, integrity, and ability to meet deadlines.
Effective communication and leadership skills, with the ability to influence stakeholders.
High ethical standards and the ability to maintain strict confidentiality.