• Application Deadline: Sun, 5 Mar 2023 00:00:00 GMT
• Position: Credit Officer


• Job Type Full Time


• Qualification BA/BSc/HND


• Experience 2 years


• Location Lagos


• City Lekki


• Job Field Sales / Marketing / Retail / Business Development 
  

Job Description

• Facilitate business growth through the sales of products across, personal, business, and co-operative clients.


• Explain different loan options available to clients.


• Identify and prospect clients through market segmentation with a focus on an industry and/or sub segment applying a narrowed focus to client acquisition.


• Establish, develop, and manage a strong pipeline and network of clients for our products/services.


• Cross-sell customised products and services with the objective of meeting clients’ unique needs to achieve financial objectives.


• Develop and maintain relationships with clients to provide quality services.


• Foster beneficial and long-term relationships with new and existing clients to retain and attract new businesses.


• Employ a variety of means to keep abreast of industry trends and company product knowledge.


• Deliver increasing deposit portfolio performance and provide regular reports.


• Develop customised on-boarding options and solutions for clients to suit their individualized needs.


• Determining whether prospective customers are creditworthy, developing credit scoring models, authorizing, and refusing loans, negotiating payment arrangements, and revising the business' credit policy.


• Assess clients’ financial status, and conduct a thorough loan analysis to ascertain customer’s payment capacity and willingness to repay loan.


• Maintain updated records of loan applications, and manage client database.


• Monitor progress of existing loans.


• Must have in-depth knowledge of credit analysis and be an expert with accounting software.

Requirements

• Bachelor's Degree in any related discipline.


• Strong customer orientation.


• 2 years work experience as a Credit Officer, Loan Officer, or similar role.


• Outstanding analytical Abilities.


• A good ability to communicate.


• Strong interpersonal abilities.


• Attentive to detail.


• The capacity to handle challenging circumstances.