Credit and Marketing Officer

Responsibilities:

• Evaluate and appraise loan applications based on credit policies and risk assessment standards.
• Conduct due diligence and credit analysis on individuals and businesses.
• Prepare comprehensive credit reports and make sound lending recommendations.
• Monitor loan performance, collections, and repayments to minimize delinquency.
• Maintain proper credit documentation and ensure compliance with internal policies and regulatory guidelines.
• Follow up with clients on repayments and take timely recovery actions where necessary.
• Identify and pursue new business opportunities in target markets to expand the customer base.
• Promote the institution’s products and services through field visits, marketing campaigns, and client engagement.
• Build and maintain strong relationships with customers, ensuring excellent customer service.
• Develop marketing plans and contribute to product development initiatives.
• Achieve individual and branch sales/loan disbursement targets.
• Conduct market intelligence and competitor analysis to inform strategic decisions.
• Prepare periodic credit and marketing performance reports.
• Ensure all transactions comply with company policies, regulatory standards, and ethical practices.
• Support the branch in achieving profitability, risk management, and sustainability goals.

Requirements:

• Minimum of an HND/B.Sc. degree in Finance, Banking, Accounting, Business Administration, Economics, or a related field.
• 3-5 years of experience in credit analysis, loan processing, or marketing within the financial services industry (preferably in a microfinance, commercial bank, or lending institution).
• Excellent communication and presentation skills.
• Savvy in Marketing, Business Development, Customer Relations, and Business Finance.
• Sound knowledge of credit risk management principles.
• Target-driven and results-oriented.
• Proficiency in MS Office and financial reporting tools.
• Knowledge of relevant regulatory guidelines (e.g., CBN/MFB regulations).