The Credit Officer will be tasked with the responsibility of evaluating loan applications to determine the eligibility of an applicant for a loan option, assessing creditworthiness, scrutinizing credit risk and ensuring compliance with company policies and regulatory requirements. 

You will play a crucial role in the lending process by providing accurate credit assessments and recommendations to support our clients' financial needs. Ultimately, the ideal candidate should have excellent oral and written communication skills to be able to effectively liaise with clients and should possess the capacity to work in a fast-paced environment. 

RENUMERATION:
• Salary: N170,000.00 – 180,000.00 (slightly negotiable)
• Transport and airtime allowance 
• HMO
• Other benefits at the discretion of the management.

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• Monitor and manage overdue accounts across various customer portfolios.
• Collaborate with the legal team for escalated recovery actions, including litigation or repossession where necessary.
• Contact clients via phone, email, or in-person visits to follow up on outstanding debts.
• Negotiations and reschedule of outstanding facilities with delinquent customers. 
• Provide support and advice to internal teams on credit control procedures.
• Identify and escalate high-risk accounts for further action or decision-making.
• Conduct credit checks and assess the creditworthiness of applicants.
• Evaluate applicants' financial status, credit history, and ability to repay loans.
• Make informed recommendations regarding loan approvals or denials.
• Ensure compliance with lending policies, regulations, and procedures.
• Prepare detailed reports and documentation for loan decisions.
• Collaborate with other departments to ensure a smooth loan processing experience.

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• Must have completed NYSC.
• Minimum of 3 - 5 years’ work experience as a credit and recovery officer in a financial sector is mandatory.
• Proven experience in debt recovery, collections, or credit control.
• Must be proficient in Microsoft Word, Excel and Power Point
• Strong negotiation and communication skills.
• Excellent written and verbal communication skills.
• Strong organizational skills and ability to multi-task.
• Strong leadership skills
• Attention to detail and problem-solving skills.