Credit Officer

1 month ago


Lagos, Nigeria Pinenoc Solutions Integrated Limited Full time

Job description

  • Source for new clients to access company's loan
  • Conduct client interviews to assess financial status, loan needs, and repayment capacity.
  • Collect, analyze, and verify client information and financial documents.
  • Recommend or approve loan applications based on financial data and risk analysis.
  • Prepare loan agreements and ensure all legal and regulatory requirements are met.
  • Complete the loan disbursement process efficiently and accurately.
  • Ensure proper documentation for all loans and maintain accurate records.
  • Monitor loan repayments and proactively manage client accounts to minimize delinquencies.
  • Identify and address early warning signs of non-payment.
  • Develop and execute loan recovery strategies in case of overdue payments.
  • Build and maintain positive relationships with clients.
  • Provide financial advice and support to clients to enhance their financial literacy.
  • Conduct regular client visits for loan verification and business performance monitoring.
  • Ensure compliance with all internal policies, legal guidelines, and regulatory requirements.
  • Prepare periodic reports on loan disbursement, portfolio quality, and loan performance.
  • Collaborate with the credit team to meet the bank’s credit performance targets.
  • Ensure a balanced and healthy loan portfolio.
  • Monitor the loan portfolio and adjust strategies to mitigate risks.
  • Regularly report on loan performance to management.

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