Credit Officer

3 weeks ago


Lagos, Nigeria SOBIC Company Full time

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.

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