Business
Become Job-Ready With a National Criminal History Check
Today’s employment landscape is tighter than ever before. Employers want to make sure that they hire the best talent for their organization. Why? All other things being equal, a company’s success is positively correlated to the quality of its employees. Of the series of background checks employers carry out to determine the suitability of a candidate, national police checks are the most prevalent, as over 86% of employers seek the criminal history of potential hires.
From an applicant’s perspective, why wait until an employer decides to carry out a background check? The post explores how applicants can carry out national police checks themselves to better equip them for getting their dream role.
Are there jobs that require applicants to submit background checks themselves?
A quick analysis of Joro, an Australian job listing platform, revealed that about 6% of jobs required job seekers to provide criminal checks themselves. A breakdown by specific industry (top 3) is summarized below:
- Community Services & Development (~30%)
- Healthcare & Medical (~17%)
- Government & Defence (~12%)
As a concrete example, before a person can apply for nurse placement in Australia, he or she must have done a national criminal clearance. This is especially important if the employee will have access to vulnerable persons or will be working with children in Australia. Failure to do so will jeopardize that opportunity. Generally speaking, what this means is that for specific job roles, job seekers are required to submit their national criminal history clearance as part of the application process.
What about applicants not required to submit their national police check?
More often than not, employers will rather carry out criminal history checks themselves, rather than have applicants submit it for many reasons. However, the most important being to minimize the instances of fraud. They want to be certain that the police report they’re evaluating is an accurate representation of the candidates.
But this doesn’t mean job seekers should just sit down and relax, while they await the result of the criminal history check from the employer. That’s why being proactive is key. To the job-ready, applicants should carry out background checks on themselves for two major reasons:
- Correct Misinformation
There is the possibility that things can go wrong when you request a national police check. The report may contain a crime you were never convicted of or a crime you never committed. This typically happens when there are minor mixups. An applicant that does national police check on him/herself can spot these errors and have them expunged from their record. Losing a job opportunity based on an offense you never committed will be avoided.
- Apply for Eligible Job Roles
Certain jobs require that applicants have a clean criminal record. A common example includes jobs that require working with vulnerable groups like children or the elderly. Having a criminal record drastically reduces the chance of employment. If a job seeker does a criminal history check on him/herself, it will help identify jobs that they are ineligible for. That way, they can focus their energy on jobs that they stand a chance of getting.
- Be Better Prepared
Furthermore, if an applicant has a criminal record that’s relevant to the particular role they’re applying for, at the very least, an explanation will be required from the employer. By doing a national police check beforehand, applicants can be better prepared to answer questions that may come up about their criminal past.
The Central Bank of Nigeria (CBN) yesterday said 33 banks have met new minimum capital requirements under its recapitalisation programme, raising a combined N4.65 trillion to strengthen the financial system.
The apex bank disclosed this in a statement marking the end of the exercise, which commenced in March 2024 and drew participation from domestic and foreign investors.
The statement was jointly signed by the Director of Banking Supervision, Olubukola Akinwunmi, and the Acting Director of Corporate Communications, Hakama Sidi-Ali.
The statement said “Over the 24-month period, Nigerian banks raised a total of N4.65tn in new capital, strengthening the resilience of the financial system and enhancing its capacity to support the economy.”
The regulator said local investors accounted for 72.55 per cent of the funds, while international investors contributed 27.45 per cent, reflecting continued confidence in the sector.
Commenting on the outcome, the CBN Governor, Olayemi Cardoso, said in the statement, “The recapitalisation programme has strengthened the capital base of Nigerian banks, reinforcing the resilience of the financial system and ensuring it is well-positioned to support economic growth and withstand domestic and external shocks.”
It added that while 33 banks have complied with the new thresholds, a few others are still undergoing regulatory and legal processes.
The statement noted, “The CBN confirms that 33 banks have met the revised minimum capital requirements established under the programme.
“A limited number of institutions remain subject to ongoing regulatory and judicial processes, which are being addressed through established supervisory and legal frameworks.
“All banks remain fully operational, ensuring continued access to banking services for customers.”
The apex bank stressed that the exercise was executed without disrupting banking operations, ensuring uninterrupted access to services nationwide.
It further stated that key prudential indicators have improved, particularly capital adequacy ratios, which remain above global Basel benchmarks.
The minimum ratios were set at 10 per cent for regional and national banks and 15 per cent for banks with international licences.
The bank also said the recapitalisation coincided with a gradual exit from regulatory forbearance, a move it said improved asset quality, strengthened balance sheet transparency, and enhanced overall stability.
To preserve these gains, the CBN said it has reinforced its risk-based supervision framework, mandating periodic stress tests and adequate capital buffers for banks.
It added that supervisory and prudential guidelines would be reviewed regularly to strengthen governance, risk management, and resilience across the sector.
“The successful completion of the programme establishes a stronger and more resilient banking system, better positioned to support lending, mobilise savings, and withstand domestic and global shocks,” the statement said.
The Tide learnt that foreign capital inflows into Nigeria’s banking sector rose by 93.25 per cent year-on-year to $13.53bn in 2025, up from $7.00bn recorded in 2024, amid the ongoing recapitalisation drive by the Central Bank of Nigeria.
Data from the National Bureau of Statistics capital importation report showed that the banking sector remained the dominant destination for foreign capital, accounting for $13.53bn of the total $23.22bn recorded in 2025, representing 58.26 per cent of total inflows, up from 56.81 per cent in 2024.
The surge reflects heightened investor interest in Nigerian banks as they raised fresh capital to meet new regulatory thresholds introduced by the apex bank, with industry-wide recapitalisation activities driving large-scale inflows across all quarters of the year.
However, the Centre for the Promotion of Private Enterprise (CPPE) recently raised concerns over weak credit flows to small businesses despite recent banking sector reforms.
The CPPE, led by a renowned economist, Dr Muda Yusuf, acknowledged that the ongoing bank recapitalisation exercise by the CBN has strengthened the financial system, but warned that the benefits have yet to translate into meaningful support for the real economy.
The facility will be disbursed through participating Microfinance Institutions (MFIs), which will in turn extend the loans to their customers, particularly SMEs, as they directly interface with businesses at the grassroots level.
The Executive Director of COMCIN, Mr. Micheal Ogbaa who represented the Chairman, Dr. Iredele Oyedele (FCA, FCCA), said the initiative is designed to strengthen micro-lending institutions and expand access to finance for grassroots entrepreneurs, particularly women and youths in the informal sector.
Ogbaa explained that COMCIN does not lend directly to individuals but works through its network of microfinance and cooperative institutions, which in turn provide loans to end users.
“We came together to advocate for the microfinance ecosystem. Commercial banks often exclude people at the grassroots, but our members are positioned to reach them. This facility will empower them to do more,” he said.
He noted that the loan scheme offers low interest rates and flexible repayment plans, making it more accessible to small business owners.
According to him, about 90 percent of beneficiaries are expected to be women, who play a key role in sustaining families and driving economic activities at the local level.
“Our focus is on traders, service providers, and players in the informal sector. These are the real movers of the economy. By supporting them, we are strengthening families and contributing to national development,” he added.
Ogbaa disclosed that eligible SMEs with proven integrity and business track records could access up to N5 million each through participating micro-lending institutions. The rollout has commenced in Lagos and will extend to Abuja, Enugu, and other regions, including the South-West, South-East, and North-East.
He said 12 micro-lending institutions have already benefited from the scheme, while 85 applications are currently being processed under the pilot phase.
“Our target is to reach at least 100,000 SMEs nationwide. We are building a platform that connects funding partners with credible micro-lending institutions, creating a reliable channel for financial inclusion,” Ogbaa said.
He added that COMCIN is also working to attract larger funding pools from development finance institutions and private investors, noting that successful implementation of the pilot phase would boost confidence and unlock more capital for SMEs.
“We have seen encouraging testimonies from early beneficiaries. As we demonstrate transparency and efficiency, more institutions will be willing to channel funds through us,” he said.
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