Merchant Load Field Credit Officer at HRD Solutions

About the Role

• As the Merchant Loan Field Credit Officer, you understand lending, you are curious, pay serious attention to details, data driven and have adequate territorial knowledge of your environment.
• You are responsible for evaluating clients' financial information, verifying merchants and assessing risk ratios.
• You are self-driven, result oriented and most importantly - An A player.
• You are primarily responsible for executing Company's Merchant loan strategy to correctly position it within the landscape in Nigeria by working with the Sales and Collections team in cementing the Company's strategy of becoming the largest neobank in Nigeria.

Responsibilities

• Onboard Viable Merchants on the company's Business Platform.
• Evaluate credit worthiness of Merchants
• Physically verify Merchants Location and business financial health for loan consideration.
• Interview Merchants to determine their financial eligibility and feasibility
• Support merchants with questions they might have.
• Justify decisions (approvals/rejections) and report on them
• Maintain an active knowledge base of all of the organization’s loan products and an understanding of the qualifications required of each Merchant.
• Build long term, trusting relationships with customers
• Grow and achieve loan portfolio targets for merchants.

Qualifications & Skills

• A First Degree / B.Sc
• 1 year minimum relevant work experience in a financial organization preferably Microfinance Banks, Fintechs)
• Excellent knowledge of loan application procedures.
• Socially and emotionally aware.
• Must have a Smartphone.
• Strong communication skills and proven customer service experience.
• Exceptional analytical skills and the ability to work with complicated financial data.
• Demonstrable knowledge of credit risk analysis.