Loan Credit Officer

Job Role: Loan Credit Officer
Location: Lagos, Abuja
Salary:130,000

Main Responsibilities

Build and manage with effectiveness and efficiency a large portfolio of customers with
the strict minimum risk acceptance level by selling the different products of the
company
The Portfolio manager remains responsible for the fund given out to clients in
his portfolio as loans until the last kobo is paid back.
He is also responsible for having agood relationship with clients and encouraging them to buy all the products they are qualified for.
Mission 1: Pre-loan disbursement
● Promote/Market products to prospective clients by using all the
channels possible
● Visit and evaluate potential client businesses
● Visit client’s personal house when it’s necessary
● Visit co-debtor, guarantor’s house and businesses when it’s required
● Analyze financial data of client’s businesses
● Analysis of quantitative and qualitative data of client businesses and households
● Prepare loan documents for credit committee
● Present loan files to credit committee
● Represent towards all active and potential partners with dignity and
pride
● Fulfill all other necessary assignment to support by the institution
Post-Loan Disbursement
● Conduct monitoring visits to business and households
● Follow- up on day to day loan repayment
● Manage loan recovery from active and write-off client until complete
reimbursement
● Assess the impact of loan before renewal

Required Skills
● Fluent in English (Written/spoken)
● Detail Oriented
● Target oriented
● Articulate and well spoken
● High level of integrity
● Dynamic and motivated and individuals who like to work outdoors

Education
● Diploma : OND or HND Minimum
● Basic Knowledge in accounting, finance and mathematics
● Previous work Experience or training In sales (Preferred)
Candidates should have, at the minimum, Loan Officer experience with a Microfinance Bank/Outfit.