Credit Origination Analyst

First Capital Bank

Belief comes first.

Career Opportunity

Credit Origination Analyst

Applications are invited from qualified, experienced, and skilled candidates to fill the position of Credit Origination Analyst. The Credit Origination Analyst will assess credit applications and make recommendations to higher sanctioning authority as may be appropriate.

Roles and Responsibilities

Assessing credit applications from Corporate Banking and making recommendations to either sanction, restructure, or decline.
Scrutiny of customer Credit requests submitted by Relationship Manager and initiation of credit requests that meet set risk acceptance criteria and target market definition in line with the Credit Policy guide.
Appraisal and preparation of credit proposals including analysis of financial statements, and ensuring comprehensive identification, assessments, mitigation, and management of Risks in all proposals.
Maintain TAT on cases (Date of receipt to submission to Credit).
Restructuring credit applications to provide quality credit solutions aimed at meeting customers’ business needs whilst safeguarding the Bank’s risk profile.
Preparing written recommendations to the appropriate sanctioning point.
Undertaking formal  Risk Management visits with Relationship teams and ensuring adherence to sound lending principles and laid down Credit Risk Policy procedures.
Ensuring active follow up of risk issues identified during visits to ensure appropriate action is undertaken.
Handling customer enquiries on matters related to credit facilities/products.
Ensuring internal/regulatory requirements are not breached and inform the Line Manager of any deviations or potential breaches for timely remedial action or waiver applications when conducting assessments.
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Employment Agency Services
communication skills
Monitoring of expiring limit using a tracking mechanism for renewal commencement at 90 days until expiry date.
Ensure that collateral site visitations are conducted, and reports disseminated for all customers at renewal and/or new application of facilities in line with the banks approved format.
Use standardized credit assessments format and achieve high quality assessments (Structure, insight, risk identification, risk mitigation and recommendations). CRB report and credit scoring to be part of the assessment.
Risk Management

Experience, Qualifications and Skills

Bachelor’s degree with at least three (03) years’ experience or Diploma in Banking and Finance or related fields with at least five (05) years’ experience in the Banking Industry.
Must have a clear understanding of current Banking Rules and Regulations.
In-depth understanding of Credit policies and frameworks.
Detailed knowledge of the Banking and Financial Services Act and other regulations governing commercial bank lending activities.

Application Process

Only suitably qualified, experienced, and skilled candidates are encouraged to apply for this role using the link below.

https://careers.fmbch.com/

Closing date for applications is Thursday, 5th March 2026.

Only shortlisted applicants will be communicated to.

Regards

Human Resource