Junior Credit Officer

Junior Credit Officer

Sage Grey is seeking a Junior Credit Officer to support credit and investment functions, including loan evaluation, investment appraisal, and portfolio monitoring.

Responsibilities

• Evaluate loan applications and investment proposals with financial analysis, cash flow assessment, collateral valuation, and counterparty due diligence
• Prepare credit recommendation memos and investment memoranda with risk-return analysis for Credit Committee presentation
• Support project funding evaluations including feasibility studies, sensitivity analysis, and review of business plans and legal agreements
• Monitor loan and investment portfolio performance, tracking repayments, covenants, maturities, and early warning signs
• Prepare periodic portfolio reports including delinquency analysis, investment performance summaries, and risk concentration metrics
• Ensure compliance with internal credit policies, risk frameworks, and regulatory requirements (CBN, SEC) with accurate documentation
• Liaise with internal teams (Legal, Risk, Operations) and external stakeholders to facilitate transaction processing

Requirements

• Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or related field
• 2–4 years of experience in credit analysis, investment analysis, project finance, or banking operations
• Experience in a financial institution is mandatory
• Strong understanding of financial statements, ratio analysis, cash flow modelling, and credit risk principles
• Proficiency in Microsoft Excel (financial modelling, pivot tables, VLOOKUP) and Microsoft Word
• Strong analytical, problem-solving, and numerical skills with high attention to detail
• Integrity, confidentiality, and ability to work under pressure

How to Apply

Interested and qualified candidates should send their CV to: careers@sage-grey.com using "Junior Credit Officer" as the subject of the mail.

Application Closing Date: 12th July, 2026