Loan Credit Officer

Job Description: Job Role: Loan Credit Officer

Location: Lagos Island

Salary:130,000

Main Responsibilities

Build and manage with effectiveness and efficiency a large portfolio of customers with

the strict minimum risk acceptance level by selling the different products of the

company. The Portfolio manager remains responsible for the fund given out to clients in

his portfolio as loans until the last kobo is paid back. He is also responsible for having a

good relationship with clients and encouraging them to buy all the products

they are qualified for.

Mission 1: Pre-loan disbursement

● Promote/Market products to prospective clients by using all the

channels possible

• Visit and evaluate potential client businesses
• Visit client’s personal house when it’s necessary
• Visit co-debtor, guarantor’s house and businesses when it’s required
• Analyze financial data of client’s businesses
• Analysis of quantitative and qualitative data of client businesses and households
• Prepare loan documents for credit committee
• Present loan files to credit committee
• Represent towards all active and potential partners with dignity and

● Fulfill all other necessary assignment to support by the institution

Post-Loan Disbursement

• Conduct monitoring visits to business and households
• Follow- up on day to day loan repayment
• Manage loan recovery from active and write-off client until complete

● Assess the impact of loan before renewal

Required Skills

• Fluent in English (Written/spoken)
• Detail Oriented
• Target oriented
• Articulate and well spoken
• High level of integrity
• Dynamic and motivated and individuals who like to work outdoors

• Diploma : OND or HND Minimum
• Basic Knowledge in accounting, finance and mathematics
• Previous work Experience or training In sales (Preferred)