Credit Risk Analyst (Underwriter) at Turbo Energy Nigeria Limited

Job Summary

• The Credit Risk Analyst is responsible for assessing and evaluating customer creditworthiness, analyzing loan applications, and recommending appropriate credit limits in line with the bank's credit policy.
• You will play a pivotal role in ensuring quality risk decisions while supporting business growth.

Key Responsibilities

• Assess loan applications for individuals and SMEs, reviewing documentation, credit history, and risk indicators.
• Analyze financial statements, employment records, and bank statements to determine loan viability.
• Recommend approvals, declines, or conditions for loans based on underwriting guidelines.
• Collaborate with the business development and collections team to manage loan lifecycle risks.
• Monitor and flag inconsistencies, fraud red flags, or policy deviations in applications.
• Prepare timely reports on credit trends, portfolio quality, and decision accuracy.
• Contribute to continuous improvement of underwriting frameworks and policies.

Requirements

• Candidates should possess a B.Sc / HND in Finance, Economics, Statistics, or related discipline.
• 2+ years’ experience in credit analysis/underwriting, preferably in a microfinance or lending firm.
• Strong analytical and decision-making skills.
• Good understanding of credit scoring models and loan documentation.
• Familiarity with IPPIS, retail, or SME loan products is an advantage.
• Ability to work under pressure and adapt in a growing institution.