Credit Portfolio Analyst Job Vacancy in Enugu, Nigeria – Banking & Financial Services

Job Description

Position: Credit Portfolio Analyst

Company: First City Monument Bank (FCMB)

Location: Enugu, Nigeria

Experience: 3-5 years

Education: Bachelor’s degree in Finance, Economics, Business Administration or related field

Employment Type: Full-time

Industry: Banking & Financial Services

Department: Credit Management

Salary: ₦2,500,000 – ₦4,000,000 per annum

Vacancies:1

Company Overview

First City Monument Bank (FCMB) is a leading indigenous Nigerian bank with a strong reputation for innovative financial solutions and customer‑centric services. Established in 1990, FCMB has grown to operate a network of over 150 branches across Nigeria, serving individuals, SMEs, and large corporates. The bank is renowned for its commitment to digital transformation, financial inclusion, and sustainable banking practices. As a key player in the Nigerian financial sector, FCMB offers a dynamic work environment that encourages professional growth, ethical conduct, and community impact. Joining FCMB means becoming part of a forward‑thinking institution that values talent, diversity, and the pursuit of excellence in the ever‑evolving landscape of Nigeria Jobs.

Job Overview

The Credit Portfolio Analyst will play a pivotal role in managing and optimizing FCMB’s credit portfolio across the Enugu region. This position involves rigorous analysis of credit risk, monitoring portfolio performance, and providing actionable insights to senior management. The analyst will collaborate closely with relationship managers, risk officers, and product teams to ensure that credit decisions align with the bank’s risk appetite and strategic objectives. This role offers a unique opportunity to contribute to the bank’s growth while enhancing your expertise in credit analytics, a critical component of Employment in Nigeria’s banking sector. For more information about FCMB and its career pathways, visit Nigeria Job Search.

Key Responsibilities

• Analyze credit data and financial statements to assess borrower creditworthiness.
• Monitor portfolio performance metrics, including delinquency rates, concentration risk, and profitability.
• Prepare detailed credit risk reports and present findings to senior management.
• Collaborate with relationship managers to structure credit facilities that meet client needs while adhering to risk policies.
• Develop and maintain credit scoring models and stress‑testing frameworks.
• Identify emerging credit trends and recommend mitigation strategies.
• Ensure compliance with regulatory requirements and internal credit policies.
• Support the development of credit policies and procedures.

Required Skills

• Strong analytical and quantitative skills with proficiency in Excel, SQL, and statistical software.
• Excellent written and verbal communication abilities.
• Attention to detail and ability to work under tight deadlines.
• Knowledge of Nigerian banking regulations and Basel III standards.
• Team player with strong interpersonal skills.
• Problem‑solving mindset and proactive attitude.

Education

A minimum of a Bachelor’s degree in Finance, Economics, Business Administration, or a related discipline is required. Professional certifications such as CFA, FRM, or equivalent are advantageous and demonstrate a commitment to continuous learning, which aligns with the career opportunities in Nigeria.

Experience

Candidates should have 3 to 5 years of experience in credit analysis, portfolio management, or risk assessment within a banking or financial services environment. Experience with SME credit portfolios is highly valued.

Salary

The compensation package ranges from ₦2,500,000 to ₦4,000,000 per annum, commensurate with experience and qualifications. The package includes performance‑based bonuses and other incentives.

Benefits

• Health insurance coverage for employee and dependents.
• Retirement savings plan (Pension).
• Paid annual leave and public holidays.
• Professional development allowance.
• Employee assistance program.
• Access to FCMB’s digital banking platforms for personal use.

Training

• Comprehensive onboarding program covering FCMB’s credit policies and systems.
• Ongoing training in advanced credit analytics, risk modeling, and regulatory updates.
• Opportunities to attend industry conferences and workshops.
• Mentorship from senior credit officers and risk managers.

Working Environment

FCMB offers a collaborative, inclusive, and technology‑driven workplace located in the heart of Enugu’s business district. Employees benefit from modern office facilities, flexible working arrangements, and a culture that promotes work‑life balance. The bank’s commitment to diversity ensures that all staff feel valued and empowered to contribute to the organization’s success.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their suitability for the role through the FCMB careers portal. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for an initial interview. Ensure your application highlights relevant experience, key achievements, and alignment with FCMB’s values.

Equal Opportunity Statement

FCMB is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, race, religion, age, disability, or sexual orientation. All qualified applicants will receive consideration for employment without discrimination.