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
Assess businesses during credit application and leverage innovative tools to monitor their performance during the course of the loan
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 any of these locations: Edo - Ovia, Edo North, Edo Central, and Edo South
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

Field Credit Officer (Edo)

Job Description