Top level Credit Evaluator at Sage-Grey Finance Limited in Victoria Island, Lagos

Overview

The Top level Credit Evaluator is in charge of top the assessment of credit applications, making sure strong risk evaluation, and preserving project sample quality. The position is pivotal in safeguarding the institution’s financial long-term viability by offering specialist evaluation, risk findings, and strategic guidance that enable sound lending decisions and alignment with strategic targets, which includes effect-attentive lending.

Risk M&E:

• Recognize and evaluate inherent and emerging risks in credit financial record, endorsing efficient mitigants.
• Preserve and improve credit grading models, scoring frameworks, and risk-rating resources.
• Track the loan schedule to recognize advance notice signs, carry out stress tests, and propose corrective actions.

Project sample Management:

• Track and documentation on the effectiveness of all credit goods (e.g., SME Loans, Vendor Loan Schemes).
• Endorse reorganization, recovery plans, or remedial actions where necessary.
• Assist management with complete project sample documentation, risk trend evaluation, and compliance-related entries.

Recordkeeping & Adherence:

• Ensure loan files are finalize, precise, and conforming with internal credit rules and governance policies.
• Work alongside Lawful, Adherence, and Risk teams to guarantee full KYC/AML checks and regulation compliance.
• Organize prompt documentation on project sample quality, delinquency ratios, and sector exposures.
• Stay abreast of compliance-related progress updates, macroeconomic changes, and standardized best practices in credit evaluation.

Credentials and Expertise

• Bsc in Finance, Economics, Business Management, or associated discipline.
• At least 5 - 7 years of expertise in credit evaluation within a financial institution.
• Exhibited competence in financial report evaluation, money movement modeling, and credit risk evaluation.
• Deep knowledge of lending dynamics, especially inside the Nigerian market.
• Demonstrated expertise in top and coordinating credit teams or training entry-level analysts.

Skills & Traits:

• Effective guidance, mentoring, and team-building capabilities.
• Exceptional logical and analytical abilities with close focus to description.
• Outstanding documented and spoken communication competencies, with capability to show sophisticated information transparently.
• High level of honesty and reliability, responsibility, and sound judgment.
• Capability to oversee various key focuses and participants under tight due dates.
• Initiative-driven, self-motivated, and flexible to continuously adapting market and compliance-related terms.