Westfield Consulting was founded in January 2012, by a team of Nigerians with over 45 years of cumulative work experience in management and consultancy. Westfield Consulting is a provider of Human Resource and Strategic Management Services. Our focus on innovation and excellence in service delivery has made us a first choice to our growing clientele in various sectors. We have successfully achieved a positive work force attitude, while engineering a more motivated and committed workforce for our clients with notable results Our results provide a testament about the quality of our services. 70% of our business is repeat business.
We are recruiting to fill the position below:
Job Title: Credit Analyst
Location: Lagos
Employment Type: Full-time
Department: Credit & Risk Management
Reports To: Head, Credit Risk / Credit Committee
Job Summary
- The Credit Analyst is responsible for evaluating the creditworthiness of financing applicants by conducting detailed financial and non-financial assessments.
- The role supports sound financing decisions in compliance with Shariah principles, ensuring the quality and sustainability of the institution’s financing portfolio.
Key Responsibilities
- Conduct in-depth credit analysis for individual, SME, and corporate financing applications.
- Prepare detailed credit reports and financing proposals for approval by the Credit Committee.
- Review and analyze applicants’ financial statements, cash flows, business models, and industry conditions.
- Recommend appropriate non-interest (Shariah-compliant) financing structures based on risk assessment.
- Collaborate with Relationship Managers to structure deals in line with clients’ needs and the institution’s risk appetite.
- Monitor existing financing relationships and portfolio performance, identifying early warning signs of default or deterioration.
- Ensure full compliance with internal credit policies, regulatory requirements, and Shariah guidelines.
- Participate in credit committee meetings and provide expert insights and recommendations.
- Maintain up-to-date credit files, records, and documentation for audit and regulatory purposes.
- Contribute to periodic credit risk reviews, stress testing, and portfolio reporting.
Qualifications & Experience
- Bachelor’s degree in Finance, Accounting, Economics, or related field.
- Minimum of 3–5 years of experience in credit analysis or credit risk, preferably in a non-interest or Islamic finance environment.
- Strong understanding of financial statements, credit metrics, and risk management practices.
- Working knowledge of Islamic financing instruments such as Murabaha, Ijarah, Mudarabah, and Istisna.
- Proficiency in financial modeling and credit scoring systems.
- Strong analytical, critical thinking, and problem-solving skills.
- Excellent communication and report-writing abilities.
- High level of integrity, attention to detail, and confidentiality.
Preferred Certifications (Optional but Beneficial):
- Certified Islamic Finance Professional (CIFP)
- Chartered Institute of Bankers (CIBN) – Islamic Banking Certification
- Other relevant credit or risk certifications
Application Closing Date
8th August, 2025.
How to Apply
Interested and qualified candidates should send their recent CV to: victor.allu@westfield-consulting.com using the Job Title as the subject of the email.
Note: Only shortlisted candidates will be contacted.