Koins Microfinance Bank
Banking, Finance & Insurance
Credit Analyst
About this role
Koins Microfinance Bank Limited is a fully licensed, technology- and impact-driven microfinance bank focused on driving financial inclusion through loans, savings, and investment solutions.
About the Role
Koins Microfinance Bank Limited is recruiting a full-time Credit Analyst to evaluate the creditworthiness of SME and private loan applicants, assess credit risks, recommend acceptable collateral structures, conduct due diligence, and monitor portfolio performance.
Key Responsibilities
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Financial & Risk Analysis: Analyze financial statements, credit reports, and financial data to assess client creditworthiness; evaluate profitability, liquidity, and leverage ratios to determine repayment capacity and recommend loan amounts, credit limits, terms, and conditions.
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Economic & Regulatory Evaluation: Assess economic, socio-political, and regulatory factors that could affect the continuity or operations of borrowing clients.
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Collateral Management: Recommend an appropriate collateral mix to mitigate default risk; ensure pledged assets are valued by accredited valuers and meet company collateral coverage standards.
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Client Engagement & Due Diligence: Communicate with applicants to gather financial records, clarify credit report discrepancies, and conduct physical visits to business premises for advanced due diligence based on loan thresholds.
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Portfolio Review & Reporting: Conduct monthly reviews of loan portfolio performance and produce management reports detailing collection efficiency rates for processed SME and private loans.
Requirements
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Education: Bachelor's degree or HND, preferably in Banking and Finance, Accounting, Business Administration, or Economics (other disciplines may be considered).
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Experience: Minimum of 2 years of experience as a Credit Analyst.
Additional Information
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Application Closing Date: 4th September, 2026
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