CREDIT SPECIALIST AT DLIGHT CAPITAL LTD | CREDIT SPECIALIST JOBS IN OGUN

About Company:

Dlight Capital Ltd is an organisation that focus mainly empowering the people by providing easy access to business loans, and also encouraging savings.

Job Description:

We are seeking a detail-oriented and analytical Credit Specialist to join our banking team in Ogun State. In this role, you will be the key decision-maker responsible for evaluating and authorizing personal, business, and mortgage loan applications. You will serve as the primary liaison between our financial institution and our clients, guiding them through the lending process while meticulously safeguarding the bank's interests through rigorous risk assessment and regulatory compliance.

The ideal candidate combines strong financial literacy with the interpersonal skills necessary to provide excellent client consultation and maintain a healthy loan pipeline.

Requirements:

Financial Evaluation & Risk Assessment

• Financial Analysis: Perform comprehensive evaluations of creditworthiness by analyzing applicant income, credit history reports, and detailed financial statements.

• Loan Structuring: Determine eligible loan amounts, calculate appropriate interest rates, and establish sustainable repayment schedules based on the borrower’s financial profile.

• Compliance: Ensure all lending activities strictly adhere to internal risk frameworks and external financial regulations, including CBN guidelines and regional banking laws.

Client Relations & Consultation

• Consultation: Meet with prospective borrowers to identify their specific financial needs and clearly explain various loan products, terms, and conditions.

• Application Guidance: Act as a professional guide for clients, helping them navigate the complexities of the loan application process from start to finish.

Administrative & Pipeline Management

• Documentation: Verify the accuracy and authenticity of all application materials; prepare formal loan contracts and manage secure physical and digital loan files.

• Pipeline Management: Track and manage active loan files through every stage—from the initial application through underwriting to final closing.

• Reporting: Maintain accurate records of approvals, rejections, and portfolio performance for management review.

Qualifications and Skills:

Education & Experience

• Qualification: BA/B.Sc/HND, OND, or NCE in Banking, Finance, Economics, or a related discipline.

• Experience: Minimum of 2 years of professional experience in a credit-related role within the banking or financial services sector.

• Location: Candidates must be based in Ogun State or willing to work onsite daily.

Technical & Professional Skills

• Numerical Proficiency: Strong ability to calculate interest, debt-to-income ratios, and other critical financial metrics.

• Analytical Thinking: High capacity for spotting "red flags" in credit reports and financial documentation.

• Digital Literacy: Proficiency in core banking software and Microsoft Office tools (specifically Excel).

Salary

Application Closing Date: Not specified

Application Instructions:

Interested and qualified candidates should forward their CV to: gtfxconsult@gmail.com using the position as subject of email.