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Credit Officer Full-time Job

2 years ago   Financial Services   Ikeja   384 views Reference: 37N1aMAaWmp
Job Details

The credit/ loan officer shall be expected to;

  • Interface with potential and current customers, developing a sustainable business relationship.
  • Address leads and customer questions, complaints, and escalate complex issues and questions to appropriate departments.
  • Develop strategies for effective sales individually and departmentally with the ability to meet and exceed targets while actively working to increasing business portfolio and client’s base.
  • Reviewing and analyzing loan requests to determine financial and non-financial strength, risk level, and feasibility of proposed credit relationships and transactions
  • Filling out loan applications, performing credit analysis and loan request summaries, and submitting loan applications to loan committees for their approval
  • Credit analysis and evaluation of businesses through MoMoney laid down policy and procedures
  • Visiting the business /employer of guarantors and preparing a complete loan assessment according to MoMoney credit procedures
  • Monitoring and supervision of customer business and preparation of report in respect of any significant changes
  • Getting of client’s financial data and documents for loan processing
  • Interviewing loan applicants to determine financial eligibility and feasibility of repayment of loans
  • Maintaining records of loan applications
  • Recovering of loans
  • Follow up with clients on loan renewal
  • Monitoring the progress, financial status, and repayment of existing loans
  • Performing any official task as assigned by your line manager.

Qualification Requirement

  • Bachelor’s degree in Accounting, Banking & Finance, Marketing, Economics or related field
  • 2-3 years of relevant experience as a credit/loan officer in an MFB or money lending Company

Skills Requirement

  • Strong credit and financial acumen
  • Highly optimistic
  • A record of delivering high performance
  • A robust client database
  • Ability to meet deadlines
  • Outstanding analytical skill and ability to carefully work on sensitive financial information
  • Well-articulate and presentable
  • Strong communication skills (oral and written)
  • High level of integrity
  • Ability to think outside the box
Company Description
MoMoney is a fast-rising money lending financial technology company. Our organizational culture promotes an enabling work environment for career advancement, which can attest to by our vibrant workforce.We of no doubt need to widen our area of coverage; physical visibility and exponentially increase our clientele base, which necessitates the urgent filling of our credit officers position.