Field Credit Officer (South East)

About this role:

As a Field Credit Officer, you will be saddled with the duty of onboarding and managing businesses that access our credit products. You will be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as and when due. As a result, you will play a vital role in assessing these businesses during their credit application and leveraging innovative tools we have developed to help you monitor their performance throughout the loan cycle.

You will also be responsible for making deductions from several information sources regarding the 5Cs of credit, with capacity, character, and capital as major priorities. Make recommendations to management before, during, and after the disbursement of a loan facility on the best actions to take, considering various economic factors.

Responsibilities:

Identify and onboard viable businesses within your assigned geographical area to open business accounts. Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit. Review and approve (or decline) loan requests by thoroughly analyzing all available data. Embark on physical visitations to potential borrowers’ business locations to evaluate business books, inventory, and turnover. Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring all loans in the portfolio are performing. Monitor the active loan portfolio to ensure continued use of business accounts and track loan repayment performance. Perform all other credit-related functions as assigned by a supervisor.

Experience & Background:

Minimum of an OND in any business-related discipline. Minimum of 2 years’ experience in a sales role for credit products in a financial institution. Demonstrable knowledge of credit risk analysis. Good knowledge of financial analysis is an added advantage. Must be resident in Anambra.

Skills & Competencies:

Apt attention to detail. Proven simple and complex analytical skills. Excellent communication, presentation, and interpersonal skills. Agility and perseverance.

What success looks like in this role:

Consistent achievement of gross loan portfolio targets and portfolio profit targets. Maintaining a healthy, performing loan portfolio with minimized default rates through rigorous physical visitations and monitoring. Successful onboarding and engagement of viable businesses that actively utilize business accounts. Accurate credit risk assessments based on key factors like capacity, character, and capital.

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