Job Title: Credit Analyst
Location: Lekki, Lagos
Employment Type: Full-time
Industry: Financial Services
Salary: N2,400,000 / Annum.
First Excelsia Professional Services Limited – Our client, Flexiti Limited, is recruiting detail-oriented and proactive candidates to fill the position below:
Job Title: Credit Analyst
Location: Lekki, Lagos
Employment Type: Full-time
Industry: Financial Services
Job Summary
- 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 credit worthiness 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 a 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.
Salary
N2,400,000 / Annum.
Application Closing Date
10th November, 2025.
How to Apply
Interested and qualified candidates should send their CV to: talentsearch@firstexcelsia.com using “Credit Officer” as the subject of the email.