Credit Officer

• Identify, sensitise, and recruit potential clients within the target market.
  
• Conduct field visits to evaluate clients’ businesses and assess creditworthiness.
  
• Prepare and submit accurate loan applications and appraisal reports.
  
• Ensure proper documentation of loan files and client information.

• Verify that approved loans meet all policy requirements before disbursement.
  
• Monitor clients’ business performance after disbursement.
  
• Conduct regular follow-ups and loan utilisation checks.
  

• Ensure timely loan repayment and maintain a healthy loan portfolio.
  
• Follow up on delinquent accounts and implement recovery strategies.
  
• Maintain up-to-date records of loan performance.
  

• Prepare periodic reports on loan disbursement, portfolio quality, and arrears.
  
• Ensure compliance with lending policies and credit risk management standards.
  
• Maintain confidentiality and integrity in handling client information.
  

Customer Service

• Provide excellent customer service and build strong client relationships.
  
• Educate clients on financial literacy and proper loan utilisation.

Requirements:

• Minimum of OND/HND/B.Sc. in business administration, banking & finance, accounting, economics, or related field.
  
• 1–3 years of experience in microfinance, lending, or banking operations.
  
• Strong analytical and communication skills.
  
• Knowledge of credit risk analysis and loan management.
  
• Proficiency in MS Office and financial software (e.g., Instafin, Excel).
  
• Must be honest, target-driven, and able to work with minimal supervision.
  
• Loan appraisal and credit analysis
• Customer relationship management
  
• Risk assessment and recovery techniques
  
• Time management and field operations
  
• Attention to detail and accuracy.