We are seeking a detail-oriented and experienced Accountant to join our finance team at a credit-only financial institution. The successful candidate will be responsible for maintaining accurate financial records, preparing financial statements, ensuring compliance with regulatory requirements, and supporting internal and external audits. This role requires a strong understanding of credit operations, loan portfolios, and financial reporting standards applicable to non-deposit-taking institutions.

Key Responsibilities

Financial Reporting & Bookkeeping

Prepare and maintain accurate financial records in compliance with IFRS and institutional policies.

Reconcile general ledger accounts, including loan receivables, interest income, and provisions for credit losses.

Generate monthly, quarterly, and annual financial statements.

Assist in preparing budgets, forecasts, and variance analysis.Loan Portfolio Accounting

Track disbursements, repayments, and interest accruals for all credit facilities.

Calculate and post entries for loan loss provisions based on institutional policies and regulatory guidance.

Monitor aging of loans and support credit risk assessments.Compliance & Regulatory Reporting

Prepare statutory reports for regulatory bodies such as the Central Bank, Tax Authorities, or Financial Reporting Council.

Ensure compliance with all applicable tax laws including PAYE, VAT, and withholding tax.

Support preparation of annual financial statements for external audits.Internal Controls & Process Improvement

Enforce financial controls to safeguard institutional assets and ensure compliance.

Participate in improving accounting systems, workflows, and internal control procedures.

Provide timely financial insights to support decision-making.Support Functions

Liaise with internal departments such as credit and operations to ensure data accuracy.

Assist with internal and external audits, providing requested documentation and clarifications.

Manage and maintain proper documentation for all financial transactions.

Qualifications & Experience

Bachelor’s degree in Accounting, Finance, or related field.

Professional certification (e.g., CPA, ACCA) is required.

Minimum of 3–5 years of accounting experience, preferably in a financial institution or credit organization.

Strong understanding of credit operations, IFRS, and financial reporting.

Proficiency in QuickBooks

Strong Excel skills and familiarity with financial modeling is a plus.Key Competencies

Attention to detail and high level of accuracy

Strong analytical and problem-solving skills

Excellent communication and interpersonal abilities

Ability to meet tight deadlines and work under pressure

Ethical, reliable, and able to maintain confidentialityPreferred Skills

Experience working in microfinance or credit-only institutions

Knowledge of local regulatory frameworks governing financial institutions