CREDIT ANALYST AT FUNDIT FINANCE COMPANY

About Company:

FUNDiT Finance Company is a digital-led company that is changing the way people access loans and credit. We offer a fast and convenient access to credit through digital channels. Our cutting-edge technology and advanced algorithms make it possible for us to provide personalized loans to our customers within minutes of their application. FundiT is regulated by the Central Bank of Nigeria and was incorporated with a paid-up Share Capital of NGN200million.

We are recruiting to fill the position below

Job Description:

• Analyze credit data and financial statements of individuals or businesses to determine the degree of risk involved in lending.
• Evaluate client repayment capacity based on income, obligations, industry, and market trends.
• Review loan requests and ensure completeness of documentation.
• Verify identity, bank statements, collateral, credit history, and references.
• Use internal scoring systems or credit models to assess borrower risk.
• Make data-driven recommendations to approve, decline, or modify loan terms.
• Track and assess the performance of existing loan portfolios.
• Flag high-risk accounts and suggest appropriate mitigation or restructuring steps.
• Ensure all credit approvals are in line with company policies and regulatory standards (e.g., CBN guidelines).
• Maintain accurate and complete credit files for audit readiness.
• Prepare periodic credit reports, delinquency analysis, and loan performance metrics for management.
• Provide insights on credit trends and risk exposures.
• Work closely with Business Development Officers, Risk Managers, and Recovery teams.
• Assist in developing or refining credit policies and procedures.
• Occasionally interact with clients to clarify financial data or explain credit decisions.
• Educate clients on credit terms, loan obligations, and financial improvement strategies.

Requirements:

• Interested candidates should possess a Bachelor's Degree with 5 - 8 years of experience.

Required Skills/Knowledge:

• Strong analytical and financial modeling skills
• Attention to detail and high integrity
• Knowledge of loan processing and risk management
• Familiarity with credit bureau systems (e.g., CRC, FirstCentral)
• Proficiency in Excel and credit analysis software
• Understanding of local and international credit laws/regulations

Salary

Application Closing Date: 04th July, 2025

Application Instructions:

Interested and qualified candidates should send their Applications to: careers@fundit.com.ng using the Job Title as the subject of the email