Ascentech Services Limited is a full-fledged Human Resource Solution Provider incorporated in 2013 with its Head Office in Lagos, Nigeria. We are committed to forging long-term partnerships with our clients by creating and delivering robust and flexible services that address the changing needs of their business.
We are recruiting to fill the position below:
Job Title: Credit Profile Manager
Location: Ikoyi, Lagos
Employment Type: Full-time
Job Description
- Implement and enforce internal controls to identify and mitigate potential fraud risks related credit profiles and loan applications
- Stay informed on industry changes, regulations, and trends, and implement necessary adjustment to internal practices.
- Ensure compliance with all relevant laws and regulations (e.g., fair lending, anti-money laundering) in credit evaluation and approval processes.
- Assist in the creation and refinement of lending policies, ensuring that they align with industry regulations, best practices, and company goals.
- Ensure that all documentation for loan application are accurate and complete before processing and approving loan applications.
- Oversee the end-to-end process for reviewing and approving loan applications, ensuring compliance with company policies and external regulations.
- Present findings and insights to senior management to guide decision-making regarding credit profiles.
- Prepare regular reports on the status of credit portfolios, highlighting any emerging risks, trends, or opportunities to improve performance.
- Continuously monitor the credit profiles of existing clients, especially those with active loans or credit lines.
- Develop and apply lending criteria to minimize risk while ensuring profitable lending decisions.
- Evaluate the creditworthiness of individuals or businesses applying for loans and determine approval, modification, or rejection of loan applications based on risk assessment.
- Analyze credit profiles of loan applicants and existing clients by reviewing credit reports, scores, financial statements, and other relevant documents.
Required Qualifications
Education:
- Bachelor’s Degree or Diploma in Finance, Accounting, Business Administration, Economics, or a related field.
- Advanced certifications is an added advantage
Experience:
- Minimum of 2 years Prior work experience with a start up preferably in the lending sector.
- Minimum of 3 – 5 years of experience in credit management, risk analysis, or a related field within a lending or financial services company.
- Experience in analyzing credit reports and assessing financial statements.
Skills:
- Strong analytical and financial modeling skills.
- Proficiency in credit analysis tools, Microsoft Office Suite (Excel, Word, PowerPoint),
- Knowledge of credit risk management and regulatory standards related to lending.
- Strong written and verbal communication skills, with the ability to explain complex financial concepts to clients and colleagues.
- Exceptional problem-solving abilities and attention to detail.
Application Closing Date
24th April, 2025.
How to Apply
Interested and qualified candidates should send CV to: cv@ascentech.com.ng using the Job Title as the subject of the mail.