Credit Officer - Epe

Job Summary

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• 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.
  

Skills / Competence

• Integrity and diligence
  
• Product knowledge
  
• Communication skills
  
• Excellent customer service
  
• Relationship management
  
• Target-driven
  
• Team-player
  
• Computer literacy.
  

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 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