Credit Officer

Responsibilities:

• Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.
• Collecting the needed financial documentation and assessing the clients' creditworthiness.
• Calculating and analyzing the risk ratios of clients based on their credit score and financial history.
• Approving or denying loan requests, and communicating your decision to both clients and management.
• Setting up payment plans for clients explaining monthly installment amounts, interest rates, and other costs.
• Maintaining records of loan applications by using loan management software.
• Managing loan renewals by organizing follow-up meetings with clients.
• Monitoring the progress of the loan application process and relaying any hindrances to clients.
• Ensuring that loan applications are in line with the company's financial policies, as well as state laws and regulations.

Requirements:

• Bachelor of Science in accounting, finance, banking, business, or a similar field.
• A minimum of 1 – 2 years experience as a credit officer.
• Excellent knowledge of loan application procedures and best lending practices according to state laws and regulations.
• Strong communication skills and proven customer service experience.
• Exceptional analytical skills and the ability to work with complicated financial data.
• Excellent organizational skills and the ability to work well under pressure.
• Strong ethical behavior and the ability to work with sensitive financial information.

Remuneration: NGN 150,000