Field Credit Officer (Lagos)

Responsibilities

• Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
• 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 the data available
• Embark on physical visitation to potential borrowers' business places for evaluation of business books, taking inventory and turnover into consideration
• Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
• Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
• Perform all other credit-related functions as may be assigned by a supervisor
• Make deductions from several information sources about 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 as to the best actions to be taken, considering several economic factors

Requirements

• 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
• Must be resident in Lagos State – Agege, Alimosho, Amuwo Odofin, Apapa, Badagry, Ikorodu, Ibeju-Lekki, Ikeja, Kosofe, Lagos Island, Surulere, Ojo, Oshodi
• Good knowledge of financial analysis is an added advantage
• Apt attention to details
• Proven simple/complex analytical skills
• Excellent communication, presentation and interpersonal skills
• Agility and perseverance

Benefits

• Competitive compensation, benefits, and career growth opportunities
• Opportunity to work with Africa's fastest-growing fintech and make a direct impact on business growth across the region