Credit Officer at Kloverharris Limited

Job Field: Finance / Accounting / Audit

Duties and Responsibilities

• Review loan applications to ascertain creditworthiness of the client
• Contact clients to gather financial data and documentation
• Analyze risks and approve or reject loan requests
• Calculate financial ratios (e.g. credit scores and interest rates)
• Set up payment plans
• Maintain updated records of loan applications
• Monitoring the loan portfolios and followed up on repayment
• Monitors progress of existing loans.
• Rendering sound financial advice to clients.
• Conducting qualitative credit appraisal of the client’s business and financial status.
• Ensure credits are packaged within policies and procedures of the bank.
• Sourcing of new RQR via direct marketing
• Pro-active recovery of loans in overdue
• Assuring long term relationship through high customer’s satisfaction, reaching a high ration of a revolving customer.
• Booking/ executing of transactions
• Securing deals
• Performing of any other marketing functions as may be assigned.

Requirements

• Proven work experience as a Credit Officer, Loan Officer or similar role for 6 years
• Hands-on experience with lending procedures and products
• Ability to create and process financial spreadsheets
• Strong analytical skills
• Customer service experience
• B.Sc in Banking and Finance, Economics or related field.