Team Lead, Corporate Credit Appraisal at Fidelity Bank Plc

Fidelity Bank Plc began operations in 1988 as Fidelity Union Merchant Bank Limited. By 1990, it had distinguished itself as the fastest growing merchant bank in the country. However, to leverage the emerging opportunities in the commercial and consumer end of financial services in Nigeria, in 1999, it converted to commercial banking and changed its name to Fidelity Bank Plc. It became a universal bank in February 2001, with a license to offer the entire spectrum of commercial, consumer, corporate and investment banking services.


Job Title: Team Lead, Corporate Credit Appraisal

Location: Lagos
Employment Type: Full time
Job Field: Risk Management
Job Category: Experienced Hire

Fidelity Bank  Plc Jobs in Nigeria

Job Objective(s)

  • Underwriting of corporate credit applications in a timely manner and generate quality report to aid decision making by approval authorities.

Duties & Responsibilities

  • Introduce the Bank to the marketplace, meet Assignment of credits to Credit Analysts in the Corporate Appraisal Group.
  • Ensure credit requests have complete documents [i.e. financial spreads, evidence of proposed security, contracts – if applicable, etc. – current target of 80% of credits appraised.
  • Ensure credit requests are processed in a timely manner-currently within 48-96 hours from submission of complete credit packages.
  • Initial response to Relationship Managers on submitted credits – currently within 24 hours of receipt of credit package.
  • Ensure credits processed are in line with the Bank’s laid down guidelines on credit as follows:
    • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
    • Evaluate customer records and compare achieved profitability against initial projections.
    • Confer with credit administration Group to get credit reports where not provided by Relationship Managers.
    • Liaise with Legal Services Division on contracts, collateral documentation, etc.
    • Undertake joint calls with Relationship Managers when required.
    • Analyze financial data such as income growth, quality of management, and market share to determine expected performance on loans.
    • Evaluate Information on credit requests to Determine Compliance with Standards – Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
    • Prepare quality reports [Credit Comments Memorandum] that includes the degree of risk involved in extending credit or lending money.
  • Periodic Review of Product Papers.
  • Build knowledge of Account Officers and Relationship Managers on the Bank’s Credit Culture, Policies and Procedure.
  • Annual Rating of Corporate Bank Relationship Managers.
  • Any other duties as assigned by the Head, Corporate Credit Appraisal.


  • Bachelor’s degree minimum of 2.2, master’s degree, certification in Institute of Chartered Accountants of Nigeria, Chartered Risk Managers Institute and other professional bodies will be added advantage.


  • Minimum of 5 years on similar role.

Reporting Relationships:

  • Functionally & administratively reports to the Head, Corporate Credit Appraisal.


  • Any of the following: ACCA, CRMI, CIBN, PMP, ICAN.

Experience / Skills:

  • High risk consciousness.
  • Good knowledge of Microsoft Excel.
  • Ability to pay attention to detail.
  • Ability to work under pressure.
  • Good knowledge of the Bank’s Banking Software.
  • Good understanding of various economic sectors/market dynamics.
  • Strong ability to interpret and reconcile accounts.
  • High level of independence and assertiveness
  • Strong analytical skills.
  • Excellent organizational skills.
  • Good record keeping / file keeping and documentation skills.
  • Excellent interpersonal skills.
  • Good written and oral communication skills.
  • Leadership and Managerial skills.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online