Credit Officer
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New
Job summary
The Credit Officer will be responsible for identifying potential customers, assessing loan applications, conducting credit appraisals, monitoring loan portfolios, and ensuring timely repayment of loans in line with the company's lending and procedures
Min Qualification:
Diploma
Experience Level:
Entry level
Experience Length:
No Experience/Less than 1 year
Language Requirement:
English, Hausa
Working Hours:
Full Time - 8 to 5
Applicant Location:
Kano, Nigeria
Job descriptions & requirements
Responsibilities:
- Source and onboard prospective customers.
- Assess customers’ loan applications and repayment capacity.
- Conduct customer interviews, verification and field visits.
- Prepare credit appraisal and loan recommendation reports.
- Ensure proper documentation before loan disbursement
- Monitor assigned loan accounts and repayment schedules.
- Follow up on overdue payments and support loan recovery.
- Maintain accurate customer and loan records.
- Build and maintain good relationships with customers.
- Achieve assigned loan disbursement, customer acquisition and portfolio targets.
- Submit regular reports to management.
- Comply with company policies, procedures and credit guidelines.
Requirements:
- Minimum of National Diploma (ND) or equivalent.
- Previous experience in credit, lending, microfinance, banking, sales or customer service is an advantage.
- Good knowledge of basic credit assessment and loan processes.
- Fluent in English and Hausa.
- Good communication and interpersonal skills.
- Good numerical and analytical ability.
- Proficient in using smartphones and mobile applications.
- Ability to work in the field and meet assigned targets.
- Must be hardworking, responsible, honest and customer-focused.
- Ability to work independently and as part of a team.
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