• Application Deadline:
• Position: Credit Officer


• Job Type Full Time


• Qualification BA/BSc/HND , NCE , OND


• Experience


• Location Not specified


• Job Field Sales / Marketing / Retail / Business Development 
  

Job Description

• We are looking for a Credit Officer to facilitate lending for our clients by assessing creditworthiness and processing relevant paperwork.


• Credit Officer responsibilities include preparing loan applications, evaluating clients’ financial information and calculating risk ratios. To be successful in this role, you should have a good understanding of lending procedures and customer service experience.


• Ultimately, you will help our clients acquire loans in a timely manner and ensuring that the loan is being repaid as at when due while ensuring we comply with the law

Responsibilities

• Review loan requests


• Assess clients’ financial status


• Evaluate creditworthiness and risks


• Contact clients to gather financial data and documentation


• Analyze risks and approve or reject loan requests


• Calculate financial ratios (e.g. credit scores and interest rates)


• Set up payment plans


• Maintain updated records of loan applications


• Follow up with clients about loan renewals


• Monitor the progress of existing loans


• Keep daily records (Daily Collection Sheet, Ledger etc)


• Recover default if any from the customer


• Prepare timely report


• Any other function as assigned by the Branch Manager

Requirements

• Interested candidates should possess an NCE, OND, BSc or HND in relevant fields.

Skills / Competencies:

• Integrity and diligence


• Product knowledge


• Communication skills


• Excellent customer service


• Relationship management


• Target-driven


• Team player


• Computer literacy.