{"id":1260,"date":"2026-07-17T11:07:19","date_gmt":"2026-07-17T11:07:19","guid":{"rendered":"https:\/\/jobs.dataaxisnode.com\/nigeria\/uncategorized\/credit-analyst\/"},"modified":"2026-07-17T11:07:19","modified_gmt":"2026-07-17T11:07:19","slug":"credit-analyst","status":"publish","type":"post","link":"https:\/\/jobs.dataaxisnode.com\/nigeria\/jobs\/ikoyi\/credit-analyst\/","title":{"rendered":"Credit Analyst"},"content":{"rendered":"<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\/\", \"@type\": \"JobPosting\", \"title\": \"Credit Analyst\", \"description\": \"Description\\nWe are seeking a credit\/risk analyst who will beresponsible for evaluating loan applications, assessing borrowers' creditworthiness, and identifying potential risks associated with lending decisions.\\nThe role involves analyzing financial and non-financial information, making recommendations on loan approvals, monitoring the loan portfolio, and ensuring compliance with company policies and regulatory requirements while maintaining the quality of the loan book.\\nKey Responsibilities\\nReview and assess loan applications from individuals and businesses.\\nAnalyze applicants' financial statements, bank statements, income, cash flow, and credit history.\\nPerform credit risk assessments using internal scoring models and underwriting guidelines.\\nRecommend loan approval, decline, or modification based on risk analysis.\\nConduct affordability and debt service capacity assessments.\\nIdentify, measure, and mitigate credit risks within the loan portfolio.\\nMonitor existing loans for early warning signs of default and recommend appropriate actions.\\nPrepare detailed credit appraisal reports and present recommendations to the credit committee or management.\\nEnsure compliance with internal credit policies, lending regulations, and risk management frameworks.\\nCollaborate with collections, underwriting, sales, and operations teams to improve portfolio performance.\\nMaintain accurate loan documentation and risk assessment records.\\nAnalyze portfolio trends, default rates, and delinquency reports to support strategic decision-making.\\nAssist in developing and improving credit policies, risk models, and underwriting procedures.\\nQualifications\\nBachelor's Degree in Finance, Accounting, Economics, Banking, Business Administration, or a related field.\\n2\u20135 years of experience in credit analysis, risk management, lending, or loan underwriting.\\nExperience working in a microfinance institution, fintech, commercial bank, or consumer lending company is preferred.\\nProfessional certifications in risk management or finance are an advantage.\\nRequired Skills:\\nStrong financial analysis and credit assessment skills.\\nKnowledge of lending principles and loan underwriting.\\nUnderstanding of credit risk management and portfolio monitoring.\\nAbility to analyze financial statements and cash flow.\\nStrong analytical and problem-solving abilities.\\nExcellent report writing and presentation skills.\\nHigh attention to detail and sound judgment.\\nProficiency in Microsoft Excel and financial analysis tools.\\nKnowledge of loan management systems is an advantage.\", \"datePosted\": \"2026-07-15\", \"hiringOrganization\": {\"@type\": \"Organization\", \"name\": \"Sonora Capital and Investment Limited\"}, \"jobLocation\": {\"@type\": \"Place\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Ikoyi\", \"addressCountry\": \"NG\"}}, \"directApply\": true, \"validThrough\": \"2026-07-29T23:59:59\", \"employmentType\": \"FULL_TIME\"}<\/script><\/p>\n<p><strong>Company:<\/strong> Sonora Capital and Investment Limited<\/p>\n<p><strong>Location:<\/strong> Ikoyi<\/p>\n<p><strong>Job Type:<\/strong> Full Time<\/p>\n<p><strong>Apply Before:<\/strong> 2026-07-29<\/p>\n<h3>Job Description<\/h3>\n<p>Description<br \/>We are seeking a credit\/risk analyst who will beresponsible for evaluating loan applications, assessing borrowers&#8217; creditworthiness, and identifying potential risks associated with lending decisions.<br \/>The role involves analyzing financial and non-financial information, making recommendations on loan approvals, monitoring the loan portfolio, and ensuring compliance with company policies and regulatory requirements while maintaining the quality of the loan book.<br \/>Key Responsibilities<br \/>Review and assess loan applications from individuals and businesses.<br \/>Analyze applicants&#8217; financial statements, bank statements, income, cash flow, and credit history.<br \/>Perform credit risk assessments using internal scoring models and underwriting guidelines.<br \/>Recommend loan approval, decline, or modification based on risk analysis.<br \/>Conduct affordability and debt service capacity assessments.<br \/>Identify, measure, and mitigate credit risks within the loan portfolio.<br \/>Monitor existing loans for early warning signs of default and recommend appropriate actions.<br \/>Prepare detailed credit appraisal reports and present recommendations to the credit committee or management.<br \/>Ensure compliance with internal credit policies, lending regulations, and risk management frameworks.<br \/>Collaborate with collections, underwriting, sales, and operations teams to improve portfolio performance.<br \/>Maintain accurate loan documentation and risk assessment records.<br \/>Analyze portfolio trends, default rates, and delinquency reports to support strategic decision-making.<br \/>Assist in developing and improving credit policies, risk models, and underwriting procedures.<br \/>Qualifications<br \/>Bachelor&#8217;s Degree in Finance, Accounting, Economics, Banking, Business Administration, or a related field.<br \/>2\u20135 years of experience in credit analysis, risk management, lending, or loan underwriting.<br \/>Experience working in a microfinance institution, fintech, commercial bank, or consumer lending company is preferred.<br \/>Professional certifications in risk management or finance are an advantage.<br \/>Required Skills:<br \/>Strong financial analysis and credit assessment skills.<br \/>Knowledge of lending principles and loan underwriting.<br \/>Understanding of credit risk management and portfolio monitoring.<br \/>Ability to analyze financial statements and cash flow.<br \/>Strong analytical and problem-solving abilities.<br \/>Excellent report writing and presentation skills.<br \/>High attention to detail and sound judgment.<br \/>Proficiency in Microsoft Excel and financial analysis tools.<br \/>Knowledge of loan management systems is an advantage.<\/p>\n<h3>How to Apply<\/h3>\n<p>Intrested and qualified candidates should forward their CV to: career.sonora@gmail.com using the job title as the subject of the mail.<br \/>Build your CV for free. Download in different templates.<\/p>\n<p><a href=\"mailto:career.sonora@gmail.com\" target=\"_blank\" rel=\"noopener\" style=\"display:inline-block;padding:10px 20px;background:#2271b1;color:#fff;text-decoration:none;border-radius:4px;\">Apply Now<\/a><\/p>\n<p><small>Source: MyJobMag<\/small><\/p>\n<p><!-- job-expiry: 2026-07-29 --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Company: Sonora Capital and Investment Limited Location: Ikoyi Job Type: Full Time Apply Before: 2026-07-29 Job Description DescriptionWe are seeking a credit\/risk analyst who will beresponsible for evaluating loan applications, assessing borrowers&#8217; creditworthiness, and identifying potential risks associated with lending decisions.The role involves analyzing financial and non-financial information, making recommendations on loan approvals, monitoring the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[391,13],"tags":[51,18,17,537],"class_list":["post-1260","post","type-post","status-publish","format-standard","hentry","category-ikoyi","category-jobs","tag-full-time","tag-job-listing","tag-myjobmag","tag-sonora-capital-and-investment-limited"],"_links":{"self":[{"href":"https:\/\/jobs.dataaxisnode.com\/nigeria\/wp-json\/wp\/v2\/posts\/1260","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jobs.dataaxisnode.com\/nigeria\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jobs.dataaxisnode.com\/nigeria\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/nigeria\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/nigeria\/wp-json\/wp\/v2\/comments?post=1260"}],"version-history":[{"count":0,"href":"https:\/\/jobs.dataaxisnode.com\/nigeria\/wp-json\/wp\/v2\/posts\/1260\/revisions"}],"wp:attachment":[{"href":"https:\/\/jobs.dataaxisnode.com\/nigeria\/wp-json\/wp\/v2\/media?parent=1260"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/nigeria\/wp-json\/wp\/v2\/categories?post=1260"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/nigeria\/wp-json\/wp\/v2\/tags?post=1260"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}