Credit Officer

Responsibilities:

Assess loan applications and conduct credit analysis. Verify customer information and perform due diligence. Recommend approval, decline, or modification of credit requests. Monitor loan performance and repayment behavior. Conduct regular customer visits and portfolio reviews. Manage delinquent accounts and recovery activities. Ensure compliance with internal credit policies and regulatory requirements. Prepare credit reports and portfolio performance updates. Identify and mitigate credit risks. Contribute to loan portfolio growth while maintaining asset quality. Source and evaluate loan applications.

Requirements:

Bachelor’s degree and relevant professional qualification in banking and accounting from a reputable institution; Minimum of 8 years of proven experience in credit administration within a financial institution. Solid understanding of lending procedures, excellent analytical skills, the ability to create and process financial spreadsheets, and negotiation skills. Full awareness and appreciation of profit dynamics in banking. Strong analytical, negotiation, and relationship management skills. Knowledge of microfinance operations and credit risk management.

General Requirements:

Strong integrity, professionalism, and commitment to excellence. Excellent written and verbal communication skills. Ability to work effectively in a fast-paced environment. Proficiency in Microsoft Office applications. Banking or microfinance experience will be an added advantage.

Remuneration: NGN  4.8 Million – 6 Million Per Annum