Job Description

Credit Analyst Officer Job in Lagos, Nigeria

Company: Fidelity Bank Plc.
Location: Lagos, Nigeria
Employment Type: Full-Time
Department: Credit Risk & Financial Analysis
Industry: Banking and Financial Services
Salary: NGN 450,000 – NGN 850,000 per month (based on experience and qualifications)
Reporting To: Head of Credit Risk Management

Job Overview

Fidelity Bank Plc is seeking a highly analytical and detail-oriented Credit Analyst Officer to join its Credit Risk Management team in Lagos. The successful candidate will evaluate credit applications, conduct financial analysis, assess borrower risk profiles, and support strategic lending decisions. This role is ideal for professionals interested in credit analysis, risk management, financial modeling, and banking operations.

Professionals searching for Credit Analyst jobs in Nigeria or banking jobs in Lagos will find an excellent opportunity to build a long-term career within a leading financial institution. Fidelity Bank is a licensed commercial bank operating across Nigeria and provides a broad range of banking and lending services.

Key Responsibilities

• Conduct comprehensive credit assessments for retail, SME, and corporate loan applications.
• Analyze financial statements, cash flow reports, balance sheets, and income statements.
• Prepare detailed credit memoranda and risk evaluation reports.
• Monitor borrower performance and identify early warning signals of potential defaults.
• Perform financial analysis and credit risk assessment to support lending decisions.
• Review collateral documentation and valuation reports.
• Support portfolio monitoring and loan review activities.
• Ensure compliance with CBN regulations and internal credit policies.
• Collaborate with relationship managers, compliance teams, and lending officers.
• Maintain accurate credit files and lending documentation.
• Utilize credit scoring models and financial forecasting techniques.
• Assist in developing portfolio risk mitigation strategies.

Required Qualifications

• Bachelor’s Degree in Finance, Accounting, Economics, Banking, Statistics, or related discipline.
• Professional certifications such as ACA, ACCA, CFA, ACIB, or FRM will be an advantage.
• Strong understanding of loan underwriting, credit evaluation, and financial reporting.
• Excellent Microsoft Excel and data analysis skills.
• Knowledge of banking regulations and lending frameworks.

Experience Requirements

• 2–5 years of relevant experience in credit analysis, banking, lending, or financial risk management.
• Previous experience in commercial banking jobs in Nigeria or financial institutions is preferred.
• Exposure to credit portfolio management and borrower assessment processes.

Desired Skills

• Credit Risk Management
• Financial Modeling
• Portfolio Analysis
• Loan Processing
• Banking Operations
• Financial Reporting
• Risk Assessment
• Cash Flow Analysis
• Corporate Lending
• Data Analytics
• Regulatory Compliance
• Debt Analysis
• Investment Analysis
• Business Finance
• Credit Scoring

Training & Development

Successful candidates will receive:

• Credit Risk Management Certification Training
• Advanced Financial Statement Analysis Workshops
• Internal Lending Policy Training
• Banking Compliance and Regulatory Programs
• Leadership and Career Development Sessions
• Data Analytics and Credit Modeling Training

Candidates interested in expanding their regional employment opportunities may also explore openings through analyst jobs in Kano for additional career resources and industry updates.

Benefits

• Competitive salary structure
• Performance-based bonuses
• Medical insurance coverage
• Pension contributions
• Annual leave entitlement
• Professional certification support
• Career progression opportunities
• Employee wellness initiatives

Location Advantage

This role is based in Lagos, Nigeria’s leading financial hub and offers exposure to major banking operations, lending activities, and corporate finance transactions.

Professionals frequently searching for jobs in Lagos, finance jobs in Nigeria, credit officer jobs in Abuja, risk analyst jobs in Nigeria, and banking vacancies in Port Harcourt are encouraged to apply.

Career Growth Opportunities

The successful candidate may progress into roles such as:

• Senior Credit Analyst
• Credit Risk Manager
• Portfolio Manager
• Risk Control Officer
• Corporate Banking Analyst
• Lending Operations Manager

Professionals exploring broader African opportunities can also review market trends and vacancies through analyst jobs in Gambia while researching financial sector careers across the region.

The position offers valuable exposure to credit analyst jobs in Nigeria, financial analyst jobs in Lagos, banking careers in Abuja, credit risk jobs in Port Harcourt, and finance officer jobs in Kano.

Additional Information

Applicants with strong backgrounds in corporate finance, credit underwriting, loan portfolio management, and risk analytics will receive priority consideration.

For candidates interested in understanding wider employment markets across Africa, industry resources are available through analyst jobs in Eritrea and professional job market insights can also be reviewed at analyst jobs in Eswatini.

Application Process

Interested candidates should submit:

• Updated CV/Resume
• Academic Certificates
• Professional Certifications (if applicable)
• Cover Letter outlining relevant credit analysis experience

Vacancy Status

Open Until Filled

Fidelity Bank Plc is an equal opportunity employer committed to attracting and retaining highly skilled finance and banking professionals.