Credit Analyst Job at CredSol

CredSol is a pioneering digital platform designed to solve one of the most pressing challenges in the SME ecosystem, access to affordable and sustainable financing.

While many Small, and Medium Enterprises (SMEs) face barriers such as limited collateral, weak documentation, and lack of transparency, financial institutions struggle with identifying creditworthy borrowers and managing risk efficiently. CredSol bridges this gap by serving as a technology-driven marketplace that connects verified SMEs with financial institutions, ensuring trust, transparency, and efficiency throughout the credit process.

We are recruiting to fill the position below:

Job Position: Credit Analyst

Job Location: Lagos
Reports to: CFO

Role Overview

• We’re seeking a sharp, analytical mind to join our team as a Credit Analyst.
• You will play a key role in evaluating financial data, assessing creditworthiness, and supporting our mission to strengthen credit ecosystems in emerging markets.
• Your expertise will help us support financial partners in managing credit risk, optimizing lending portfolio, while driving business growth.

Key Responsibilities

• Conduct comprehensive credit analysis of businesses, and or financial institutions, including reviewing financial statements, credit reports, industry trends, and market conditions.
• Analyze financial data, including income statements, balance sheets, and cash flow statements, to assess creditworthiness and identify potential risks.
• Evaluate credit risk factors, such as credit history, industry trends, and market conditions, to determine the likelihood of repayment.
• Provide well-reasoned recommendations on credit approvals, credit limits, and loan terms based on credit analysis and risk assessment.
• Prepare and maintain accurate and timely reports on credit analysis, credit risk, and loan performance, including identifying trends and areas for improvement.
• Monitor and review existing credit portfolios to identify potential credit risks and opportunities for improvement.
• Work closely with cross-functional teams, including relationship managers, underwriters, and operations, technology, legal and other key stakeholders to ensure accurate and informed credit decisions.

KPIs

• Non-performing loan (NPL) ratio.
• Accuracy of credit risk assessments.
• Turnaround time for credit approvals.
• Portfolio growth within acceptable risk thresholds.

Qualifications & Skills

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• 3–5 years of experience in credit analysis or risk management focused on SMEs and emerging corporate in fintech/banking.
• Strong knowledge of credit scoring models and financial analysis.
• Strong analytical and problem-solving skills, with the ability to interpret financial data and identify potential risks.
• Excellent written and verbal communication skills, with the ability to present complex credit analysis and recommendations to stakeholders.
• Strong attention to detail and organizational skills, with the ability to manage multiple credit files and meet deadlines.
• Familiarity with fintech platforms and data-driven decision-making.

Why Work with Us?
Joining our team means becoming part of a mission-driven team that is passionate about transforming financial landscapes.

Note: Only qualified and shortlisted candidates will be contacted for further evaluation.