Job Description

The position exists to provide credit advice to existing and prospective clients, handling and resolving their complaints or accounts queries, developing and maintaining business relations as well as recovery of overdue amounts in order to balance the needs of the customer and the business.

Duties and Responsibilities

• Solicit for application for credit through direct and/or indirect methods of communication or engagement, assist applicants with completing and submission of the loan application for consideration, including but not limited to ensuring the requisite documentation required in accordance with the credit criteria is satisfactory
• Visit, collect and/ or confirm/validate information contained and/or attached to application for credit.
• In the case of an application for credit by a qualifying individual, conduct an affordability assessment to confirm that the applicant’s income is adequate to service the loan without violating any policy and/or legal restrictions imposed by the credit criteria, employer, and/or law.
• In the case of an application for credit by an institution or business, analyze financial, quantitative and qualitative data contained in the application and/or collected during the visit to the business or discussion with the applicant with a view to assessing the ability to repay the proposed loan in accordance with the credit criteria to ensure all loan application approved are of high quality.
• Prepare the credit proposal in accordance with the credit policy and procedures manual, submit and/or present the credit proposal to the relevant approval authority, including any documentation necessary to support the recommendation as required or directed.
• Explain the terms and conditions of the approved loan to each applicant/client, prepare, and perfection (executed)of all documentation required and precedent to disbursement or drawdown as stipulated in the approval notification.
• Ensure that the disbursement or drawdown is undertaken as stipulated in the approval notice.
• Monitor the performance of each loan under your portfolio, pick up early warning signs of potential distress, engage the client to ensure undesirable trends are reversed, and sustain the loan repayment in accordance with the terms and conditions thereof.
• In the case of loans in arrears, engage customers to regularise their accounts by paying up arrears and/or improve security, where necessary, as part of an agreed or necessary regularisation plan.
• Review all non-performing loans, prepare and submit exception reports to your supervisor or any other authority periodically, as advised, and execute any recovery initiatives as stipulated by policy and procedures manual or as instructed.
• Handover all loans in arrears to as stipulated in the policy and procedures manual or loan administration guidelines or instructions by your supervisor or senior.
• Manage and maintain client relationship, client loyalty through high quality service to ensure low churn rate.
• Assist the front office (sales/business development/ retail/treasury) in developing weekly/monthly plans with regards to client mobilization and individual performance goals.
• Research and develop business opportunities within assigned geographical zone and assist marketing department with market research and impact studies upon request.
• Market all the products and services to potential clients by using the promotional tools approved by management.

Qualifications and Experience

• Strong customer orientation.
• Basic mathematical and analytical skills required.
• Bachelor’s Degree/HND with minimum of 2nd Class Lower (2.2) or Credit in any related discipline.
• Minimum of 1 year experience in a client facing sales role shall be an added advantage.

How to Apply

Candidates who meet the criteria above can apply via the link below by the 23rd of September 2025:
https://forms.gle/DPy9zg5jchUF78EL7

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