Location: Seguku

Employment Type: Full-Time

Reports To: Credit Manager / Branch Manager

Job Summary

We are looking for a dynamic and detail-oriented Credit Officer to join our team. In this role, you will be responsible for guiding clients through the loan application process, evaluating their financial documentation, assessing creditworthiness, following up on loan repayments from clients and making informed lending decisions in line with company policies and relevant financial regulations.

Key Responsibilities

• Meet with clients to initiate and guide them through the loan application process.
• Collect and verify all required financial documentation.
• Assess applicants' creditworthiness by analysing credit scores, financial history, income statements, and other financial data.
• Calculate risk ratios and perform in-depth financial evaluations to support lending decisions.
• Approve or deny loan applications based on financial assessment and risk evaluation.
• Clearly communicate decisions to clients and management, providing explanations as needed.
• Set up loan repayment plans, outlining monthly instalments, interest rates, and associated fees.
• Monitor the progress of loan applications and address any delays or issues with clients.
• Manage loan renewals and conduct follow-up meetings as necessary.
• Maintain accurate records using loan management software.
• Follow up on collections/loan repayments from clients.
• Ensure all loan applications comply with internal financial policies, local laws, and regulatory requirements.

Requirements

• Diploma in Accounting, Finance, Banking, Business, or a related field.
• Minimum of 2 years of proven experience as a Credit Officer or in a similar lending role.
• Solid understanding of loan procedures, credit regulations, and risk management.
• Strong analytical and numerical skills, with the ability to evaluate complex financial data.
• Excellent communication and interpersonal skills.
• High level of integrity and ability to handle sensitive financial information.
• Strong organisational skills and the ability to manage multiple applications simultaneously.
• Customer-focused mindset with a commitment to delivering excellent service.

What We Offer

• Competitive salary and benefits package
• Supportive and collaborative team environment
• Opportunities for professional development and career advancement