Fresh Jobs at CredPal

Purpose Statement

• We are seeking an experienced and highly analytical Credit Risk Officer to oversee the Bank's credit risk management framework while supporting internal audit and regulatory compliance activities.
• The successful candidate will be responsible for assessing credit risk, ensuring compliance with the Bank's credit policies and regulatory requirements, conducting portfolio reviews, supporting internal audits, and monitoring operational and compliance risks. The role is critical to maintaining a high-quality loan portfolio and safeguarding the Bank's assets.

Credit Risk Management

• Conduct comprehensive credit appraisals and risk assessments for loan applications in accordance with the Bank's Credit Policy.
• Review borrowers' financial capacity, collateral, repayment ability, and overall creditworthiness.
• Recommend loan approvals, modifications, or declines based on risk analysis.
• Monitor the Bank's loan portfolio and identify emerging credit risks.
• Track Portfolio at Risk (PAR), Non-Performing Loans (NPLs), and other key credit risk indicators.
• Recommend appropriate risk mitigation and recovery strategies.

Portfolio Monitoring & Recovery

• Conduct periodic reviews of the loan portfolio to ensure ongoing credit quality.
• Monitor early warning signals and recommend proactive interventions.
• Support recovery activities on delinquent and classified loans.
• Ensure timely loan reviews and portfolio performance reporting.

Internal Audit & Operational Reviews

• Conduct periodic internal control reviews across branch operations.
• Assess compliance with approved operational policies and procedures.
• Identify control weaknesses and recommend corrective actions.
• Follow up on audit findings to ensure timely resolution.
• Prepare audit reports and present findings to Management.

Compliance & Regulatory Oversight

• Monitor compliance with CBN Guidelines for Microfinance Banks, AML/CFT regulations, KYC requirements, and internal policies.
• Support the preparation of regulatory reports and responses to regulatory examinations.
• Ensure credit operations comply with approved policies and delegated authority limits.
• Conduct compliance testing across operational and credit activities.

Risk Management

• Identify, assess, monitor, and report operational, credit, and compliance risks.
• Maintain the Bank's risk register and monitor implementation of mitigation actions.
• Recommend improvements to the Bank's risk management framework.
• Promote a strong risk and compliance culture across the Bank.

Policy Development & Process Improvement

• Support the review and enhancement of credit, risk, and operational policies.
• Recommend improvements to internal controls and operational procedures.
• Assist in implementing risk-based monitoring and audit programs.

Reporting

• Prepare weekly and monthly credit risk reports.
• Produce portfolio quality reports, audit reports, compliance reports, and risk dashboards.
• Report significant exceptions and policy breaches to Management promptly.

Key Performance Indicators (KPIs)

• Portfolio at Risk (PAR) Ratio
• Non-Performing Loan (NPL) Ratio
• Credit Review Turnaround Time
• Quality of Credit Appraisal Reports
• Number of Internal Audit Reviews Completed
• Timely Closure of Audit Findings
• Compliance with CBN and Internal Policies
• Number of Compliance Exceptions Identified and Resolved
• Risk Assessment Timeliness
• Regulatory Examination Outcomes
• Loan Recovery Performance

Requirements

• Bachelor's Degree in Finance, Accounting, Economics, Banking, Business Administration, or a related field.
• Minimum of 4years' relevant experience within a Microfinance Bank (MFB) in Credit Risk, Internal Audit, Risk Management, or Compliance.
• Strong experience in credit appraisal, portfolio management, loan monitoring, and recovery.
• Demonstrated experience conducting internal audits, operational reviews, and compliance monitoring within a regulated financial institution.
• Strong understanding of CBN Guidelines for Microfinance Banks, prudential guidelines, AML/CFT regulations, KYC requirements, and risk management frameworks.
• Experience preparing audit reports, risk assessments, and regulatory compliance reports.
• Excellent analytical, investigative, and report-writing skills.
• High level of integrity, objectivity, and professional judgment.
• Proficiency in Microsoft Excel and core banking applications.
• Relevant professional certifications (e.g., ACA, ACCA, MCIB, CRMP, CISA, CIA) will be an added advantage.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.

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Purpose Statement

• We are seeking a detail-oriented and trustworthy Teller to manage daily cash transactions and provide efficient counter services at our Dawakin Kudu branch.
• The successful candidate will be responsible for processing customer deposits, withdrawals, transfers, and other over-the-counter transactions while ensuring accuracy, regulatory compliance, and exceptional customer service. The role requires a high level of integrity, strong attention to detail, and strict adherence to internal controls and cash management procedures.

Cash & Transaction Processing

• Process customer deposits, withdrawals, transfers, loan repayments, and other over-the-counter transactions accurately and efficiently.
• Verify customer identities and transaction documentation before processing.
• Ensure all transactions are posted accurately on the Bank's core banking system.
• Process cash and cheque transactions in accordance with approved operational procedures.

Cash Management

• Maintain an assigned cash till and ensure it balances at the beginning and end of each business day.
• Conduct daily cash counts and reconcile cash balances.
• Escalate cash shortages, excesses, or discrepancies immediately.
• Ensure proper handling, sorting, and safeguarding of cash and other negotiable instruments.

Customer Service

• Provide prompt, courteous, and professional service to customers.
• Respond to customer enquiries relating to transactions and account services.
• Direct customers requiring specialized services from the appropriate department.
• Promote a positive customer experience at every interaction.

Compliance & Risk Management

• Ensure strict compliance with CBN regulations, AML/CFT requirements, KYC policies, and internal operational procedures.
• Detect and promptly report suspicious or unusual transactions.
• Adhere to cash handling limits and operational control procedures.
• Maintain complete and accurate transaction records for audit purposes.

Operational Support

• Assist with daily branch opening and closing procedures.
• Support vault operations in line with approved procedures where required.
• Maintain cleanliness and organization of the teller workstation.
• Participate in periodic cash audits and operational reviews.

Key Performance Indicators (KPIs)

• Transaction Processing Accuracy
• Daily Cash Balancing Accuracy
• Cash Shortage/Overage Rate
• Transaction Turnaround Time (TAT)
• Customer Service Satisfaction
• Compliance with Cash Handling Procedures
• KYC & AML Compliance
• Audit Findings and Exceptions
• 0% Error Rate
• Operational SLA Compliance

Requirements

• Bachelor's Degree or HND in Accounting, Banking & Finance, Business Administration, Economics, or a related field.
• Minimum of 2years' relevant experience as a Teller within a Microfinance Bank (MFB).
• Strong knowledge of cash handling procedures, teller operations, and banking transactions.
• Experience using a core banking application.
• Good understanding of KYC, AML/CFT, and CBN operational guidelines.
• High level of integrity, accuracy, and attention to detail.
• Strong numerical, communication, and customer service skills.
• Ability to work under pressure while maintaining accuracy.
• Fluency in English and Hausa will be an added advantage.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.

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Purpose Statement

• We are seeking a professional, customer-focused, and service-oriented Customer Support Officer to deliver exceptional customer service across all customer touchpoints.
• The successful candidate will serve as the first point of contact for customers, ensuring timely resolution of enquiries, complaints, account-related requests, and transaction issues while promoting the Bank's products and maintaining a superior customer experience.

Customer Service & Relationship Management

• Serve as the primary point of contact for walk-in customers, telephone enquiries, emails, and digital channels.
• Deliver excellent customer service by responding promptly and professionally to customer enquiries and complaints.
• Build and maintain strong customer relationships to promote satisfaction, loyalty, and retention.
• Educate customers on the Bank's products, services, and digital banking channels.

Account Opening & Customer Onboarding

• Process account opening requests and ensure all required documentation is complete.
• Conduct Know Your Customer (KYC) and Customer Due Diligence (CDD) checks in line with regulatory requirements.
• Ensure customer information is accurately captured and maintained.

Complaint Resolution

• Investigate and resolve customer complaints within agreed turnaround times.
• Escalate complex issues to the appropriate department where necessary.
• Maintain a complaint register and ensure timely follow-up until resolution.

Operational Support

• Support daily branch operations by processing customer requests efficiently.
• Assist customers with account maintenance requests, card requests, statement generation, and other service requests.
• Ensure proper documentation of all customer interactions and transactions.

Sales & Cross-Selling

• Identify opportunities to cross-sell the Bank's products and services.
• Support customer acquisition initiatives by referring prospects to the Sales Team.
• Promote savings products, loans, digital banking services, and other offerings.

Compliance & Risk Management

• Ensure compliance with CBN, AML/CFT, KYC, and internal operational policies.
• Protect customer information and maintain confidentiality always.
• Identify and promptly report suspicious transactions or fraudulent activities.
• Ensure all customer interactions comply with regulatory and internal service standards.

Reporting

• Prepare daily and weekly customer service reports.
• Maintain accurate records of customer enquiries, complaints, and resolutions.
• Provide feedback on recurring customer issues and recommend service improvements.

Key Performance Indicators (KPIs)

• Customer Satisfaction Score (CSAT)
• Customer Complaint Resolution Turnaround Time (TAT)
• First Contact Resolution (FCR) Rate
• Customer Retention Rate
• Number of Successful Customer Onboarding Requests
• Accuracy of Customer Documentation
• Cross-Sell and Referral Performance
• Compliance with KYC and Regulatory Requirements
• Service Level Agreement (SLA) Adherence
• Audit and Compliance Rating

Requirements

• Bachelor's Degree or HND in Business Administration, Banking & Finance, Marketing, or a related field.
• Minimum of 2years' relevant experience in Customer Service within a Microfinance Bank (MFB).
• Strong understanding of customer service principles and banking operations.
• Experience with KYC documentation, account opening processes, and complaint resolution.
• Working knowledge of CBN regulations, AML/CFT requirements, and customer onboarding standards.
• Excellent communication, interpersonal, and problem-solving skills.
• Proficiency in Microsoft Office Suite and core banking applications.
• Ability to work under pressure while maintaining professionalism and attention to detail.
• Fluency in English and Hausa will be an added advantage.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.