Credit Review Officer at Kaylog Economic Freedom Campaign (KEFC)

Job Summary

• We are in search of a dynamic leader with a passion success, who thrive in fast-paced environments, driving growth, operational excellence, and strategic impact with great analytical skills for the post of Credit Review Officer to join our public sector Unit.
• The Credit Review Officer will be responsible for conducting thorough reviews of loan applications and existing credit portfolios to ensure compliance with Kaylog’s credit policies, internal controls, and regulatory guidelines.

Key Responsibilities

• Conduct independent credit reviews of loans granted to public servants and paramilitary personnel to ensure compliance with approved credit policies and risk appetite.
• Review credit appraisal quality, including income stability, length of service, retirement horizon, and debt service capacity.
• Verify authenticity and completeness of borrower documentation, including employment confirmation, payroll slips, service numbers, ranks, and retirement dates.
• Assess and validate payroll deduction arrangements, check-off mandates, and repayment structures to ensure sustainability of loan facilities.
• Monitor the quality and performance of the public sector loan portfolio, identifying delinquency trends, early warning signals, and emerging credit risks.
• Track management responses to credit review findings and ensure timely resolution of identified issues.
• Recommend improvements to credit policies, lending processes, and risk assessment frameworks for public sector lending.
• Provide advisory and capacity-building support to relationship officers on public sector credit risk management.

Qualifications & Requirements

• Minimum OND in any discipline
• Proven experience in microfinance, banking, or financial services.
• Strong leadership and team management skills.
• Excellent business development and strategic planning abilities.
• Knowledge of financial products, credit risk, and regulatory frameworks.
• Great analytical skills.

Benefits

• Competitive salary (Salary: N100,000 - N120,000 / month) with performance-based incentives.
• Bonus on target achievement
• Career growth and professional development opportunities.