CREDIT OFFICER

• Credit Assessment: Analyze financial statements, credit reports, and other data to evaluate applicants’ creditworthiness.
• Risk Management: Approve or reject credit requests based on risk assessment and company policies.
• Loan Monitoring: Track repayment schedules, follow up on overdue accounts, and initiate recovery processes when necessary.
• Customer Interaction: Communicate credit decisions, terms, and conditions to clients professionally.
• Documentation: Maintain accurate records of credit applications, approvals, and rejections.
• Compliance: Ensure adherence to internal policies, industry regulations, and anti-fraud measures.
• Reporting: Prepare credit reports, risk analyses, and portfolio reviews for management.

Qualifications & Skills:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• Proven experience as a Credit Officer, Loan Officer, or similar role in banking/financial services.
• Strong understanding of credit risk analysis, financial ratios, and lending principles.
• Proficiency in credit scoring systems and financial software
• Excellent analytical, negotiation, and decision-making skills.
• Attention to detail and ability to work under deadlines.
• Knowledge of regulatory compliance (e.g., CBN, SEC,)