Portfolio Specialist

Job Title: Loan Portfolio Specialist Job SummaryThe Loan Portfolio Specialist is responsible for monitoring, analyzing, and managing the performance of the organization’s loan portfolio. The role ensures credit quality, compliance with internal policies and regulatory guidelines, and effective recovery strategies to maintain a healthy portfolio.Key Responsibilities1. Portfolio Management & MonitoringTrack and analyze loan portfolio performance across all product segments.Identify early warning signals of credit deterioration and initiate proactive remedial actions.Monitor delinquency trends, non-performing loans (NPLs), and recoveries.Prepare periodic reports on loan book health, segmentation, and performance metrics.2. Credit Risk AnalysisConduct portfolio stress testing, scenario analysis, and credit concentration assessments.Recommend credit limits, risk ratings, and provisioning based on regulatory requirements (e.g., CBN Prudential Guidelines).Support implementation of internal credit risk models and risk appetite frameworks.3. Loan Quality AssuranceReview loan documentation, collateral, and credit approvals for compliance.Ensure accurate classification of loans (Performing, Pass & Watch, Substandard, Doubtful, Lost).Collaborate with credit and collections teams to enhance recovery processes.4. Reporting & CompliancePrepare monthly and quarterly regulatory returns and internal credit portfolio reports.Ensure compliance with CBN, IFRS 9, and internal credit policy requirements.Provide insights and recommendations to management for policy and process improvement.5. Stakeholder EngagementLiaise with Finance, Risk, and Collections teams to align portfolio reporting and provisioning.Support management in investor, auditor, and regulatory reviews.Qualifications and ExperienceBachelor’s degree in Accounting, Finance, Economics, or related field .Professional certification such as ACA, ACCA, or CFA is an advantage.Minimum of 2–5 years relevant experience in credit analysis, loan management, or risk management.Strong knowledge of credit risk metrics, NPL management, and regulatory frameworks (CBN, IFRS 9).Proficiency in Microsoft Excel, Power BI, or other portfolio analytics tools.Key CompetenciesAnalytical and quantitative skills.Strong attention to detail and accuracy.Sound judgment and decision-making ability.Excellent communication and reporting skills.Ability to work under pressure and meet deadlines.Integrity, professionalism, and accountability.