Credit Officer (Financial Services Company / Fintech)

Job Description

Job Title : Credit Officer (Financial Services Company / Fintech)

Job Grade : Assistant Manager Cadre

Reporting Line : Reports directly to the Credit Team Lead

Role Overview

• The Credit Officer is responsible for generating, appraising, and managing credit transactions within the assigned portfolio segment under the supervision of the Credit Team Lead.
• The role focuses on business generation, credit structuring, risk evaluation, and relationship management, ensuring that all transactions conform to the Finance Company Limited’s risk appetite, compliance standards, and business objectives.
• Credit Officers will serve as the operational front line of the Company’s loan generation and client engagement efforts, directly driving revenue through quality onboarding, disciplined credit evaluation, and sustained client relationships.

Key Responsibilities

A. Business Development and Client Acquisition

B. Credit Structuring and Appraisal

C. Portfolio Management and Recovery Oversight

D. Reporting, Compliance, and Documentation

E. Collaboration and Professional Conduct

Key Performance Indicators (Qualitative) and Performance Area Qualitative Expectation

Business Generation : Consistent loan origination and onboarding of viable clients within the assigned market segment.

Credit Quality : High-quality submissions with low rejection rates and minimal documentation errors.

Portfolio Performance : Maintenance of good performing loan accounts and minimal delinquency.

Client Retention : Sustained engagement with clients resulting in repeat business and referrals.

Compliance and Process Adherence : Full adherence to internal credit policies, documentation standards, and KYC requirements.

Reporting Accuracy : Timely submission of credit reports, pipeline updates, and performance summaries.

Team Collaboration : Active coordination with Team Lead and other functional units to achieve departmental goals.

Professional Conduct Demonstrated integrity, discipline, and decorum in client interactions and internal communications.

Professional Expectations

Method of Application

Interested and qualified candidates should send their CVs to recruitment@stresertintegrated.com using CO FT-25 as subject of the mail.