Credit Officer (Financial Services Company/Fintech)

Responsibilities:

• Identify and engage viable clients within assigned sectors (Retail, SME, Corporate, or Value Chain).
• Generate loan opportunities and structured financing requests that align with departmental and company objectives.
  
• Maintain direct contact with prospective and existing clients to deepen relationships and expand business volumes.
  
• Participate in field marketing campaigns, trade visits, and product activations coordinated by the Credit and Marketing Department.
  
• Provide business referrals for investment placements and deposit mobilization to the Treasury and Financial Services Department.
  
• Conduct detailed credit appraisals of prospective clients, including cash flow analysis, collateral evaluation, and repayment capacity assessment.
• Prepare qualitative and well-documented Credit Appraisal Memoranda (CAM) and other supporting documentation for internal review and approval.
  
• Ensure all submissions adhere to internal credit policy, regulatory guidelines, and compliance requirements.
  
• Recommend appropriate credit structures, tenors, and risk mitigants that align with client needs and company objectives.
  
• Liaise with the Risk Management and Legal departments for collateral validation, insurance documentation, and loan perfection.
  
• Monitor approved facilities for performance, ensuring adherence to repayment schedules and covenant terms.
• Provide early-warning signals for delinquent accounts and initiate prompt follow-up actions.
  
• Participate in recovery drives and client engagement sessions to minimize portfolio at risk (PAR) and ensure healthy asset quality.
  
• Maintain accurate client records, collateral registers, and repayment tracking reports.
  
• Maintain comprehensive loan files for all clients under supervision.
• Submit periodic reports on pipeline deals, approved loans, and portfolio performance to the Team Lead.
  
• Ensure strict compliance with internal processes, regulatory KYC standards, and documentation protocols.
  
• Support internal and external audit reviews by ensuring timely retrieval and submission of requested files or reports.
  
• Work closely with other departments (Treasury, Risk Management, Operations, and Finance) to ensure seamless transaction flow.
• Uphold professionalism, integrity, and confidentiality in all dealings with clients and colleagues.
  
• Maintain a high standard of ethics and accountability consistent with the company's corporate values.
  
• Participate actively in departmental meetings, trainings, and performance review sessions coordinated by the Team Lead or Head of Department.

Requirements:

• Exhibit initiative, proactiveness, and commercial acumen in identifying business opportunities.
  
• Display sound credit judgment and the ability to structure transactions that balance risk and reward.
  
• Be dependable, goal-oriented, and responsive to internal communication and supervision.
  
• Represent the company professionally in all business engagements and market activities.