Credit Risk Officer - Dawakin Kudu MFB

About the role

CredPal's Microfinance Bank is looking for an experienced, analytical Credit Risk Officer to oversee the Bank's credit risk management framework and support internal audit and regulatory compliance. The role covers credit appraisal, portfolio monitoring, recovery, internal control reviews and compliance oversight, and is aimed at keeping the loan portfolio high quality and protecting the Bank's assets.

Key responsibilities

• Conduct credit appraisals and risk assessments for loan applications under the Bank's Credit Policy, reviewing financial capacity, collateral and repayment ability, and recommend approvals, modifications or declines.
• Monitor the loan portfolio, track PAR, NPLs and other credit risk indicators, and recommend risk mitigation and recovery strategies.
• Review delinquent and classified loans, support recovery activities, and ensure timely portfolio performance reporting.
• Carry out periodic internal control reviews, assess compliance with operational policies, follow up on audit findings and prepare audit reports for management.
• Monitor compliance with CBN Microfinance Bank guidelines, AML/CFT, KYC and internal policies, support regulatory reports and conduct compliance testing.
• Maintain the risk register, report operational, credit and compliance risks, and help improve the risk management framework.
• Help review credit, risk and operational policies, implement risk-based monitoring and audit programmes, and prepare weekly and monthly credit risk reports, dashboards and exception reports.

Required profile

• Bachelor's degree in Finance, Accounting, Economics, Banking, Business Administration or a related field.
• At least 4 years of relevant experience in a Microfinance Bank in credit risk, internal audit, risk management or compliance.
• Demonstrated experience in credit appraisal, portfolio management, loan monitoring and recovery, and in internal audits and compliance monitoring within a regulated institution.
• Strong knowledge of CBN Microfinance Bank guidelines, prudential rules, AML/CFT, KYC and risk management frameworks.
• Experience preparing audit reports, risk assessments and regulatory compliance reports; excellent analytical, investigative and report-writing skills.
• Must reside in Kano State, preferably within or around Dawakin Kudu.

Required skills

• Proficiency in Microsoft Excel and core banking applications.
• Relevant professional certifications (ACA, ACCA, MCIB, CRMP, CISA, CIA) are an added advantage.

What we offer

• A key role in strengthening governance, risk management and sustainable growth within a regulated microfinance institution.
• A collaborative, high-performance environment focused on accountability and operational excellence.
• Professional development opportunities within a growing financial institution.