Credit Officer

Responsibilities:

• Assess loan applications and conduct credit analysis.
• Verify customer information and perform due diligence.
• Recommend approval, decline, or modification of credit requests.
• Monitor loan performance and repayment behavior.
• Conduct regular customer visits and portfolio reviews.
• Manage delinquent accounts and recovery activities.
• Ensure compliance with internal credit policies and regulatory requirements.
• Prepare credit reports and portfolio performance updates.
• Identify and mitigate credit risks.
• Contribute to loan portfolio growth while maintaining asset quality.
• Source and evaluate loan applications.

Requirements:

• Bachelor’s degree and relevant professional qualification in banking and accounting from a reputable institution;
• Minimum of 8 years of proven experience in credit administration within a financial institution.
• Solid understanding of lending procedures, excellent analytical skills, the ability to create and process financial spreadsheets, and negotiation skills.
• Full awareness and appreciation of profit dynamics in banking.
• Strong analytical, negotiation, and relationship management skills.
• Knowledge of microfinance operations and credit risk management.

General Requirements:

• Strong integrity, professionalism, and commitment to excellence.
• Excellent written and verbal communication skills.
• Ability to work effectively in a fast-paced environment.
• Proficiency in Microsoft Office applications.
• Banking or microfinance experience will be an added advantage.

Remuneration: NGN 4.8 Million – 6 Million Per Annum