Credit Officer at Workforce Group

Location: Lagos Island
Remuneration: Attractive

Responsibilities

• Evaluate creditworthiness by processing loan applications and documentation within specified limits
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine all applicable ratios and metrics and set up debt payment plans
• Communicate with clients either to request or to provide information
• Prospect for new clients through market research, sourcing, and strategic planning.
• Justify decisions (approvals/rejections) and report on them
• Complete loan contracts and counsel clients on policies and restrictions
• Update job knowledge on types of loans and other financial services
• Maintain and update account records
• Assess customer needs, explore all options and introduce different types of loans
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
• Go the extra mile to build trust relationships, customer loyalty, and satisfaction throughout the underwriting process
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines

Requirements

• B.sc/HND in any discipline preferably Statistics, Banking, and finance or Marketing
• Minimum of at least 2 years experience as a loan officer or sales executive in a financial institution
• Minimum of 5 credits including Mathematics and English
• Familiarity with computers and banking applications/software
• Solid understanding of direct/indirect lending products and practices
• Excellent communication and interpersonal skills
• Customer satisfaction orientation and sales competencies
• Ability to work in a goal oriented environment
• Convincing and sales closing skills

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Location: Lagos Island
Remuneration: Attractive

Responsibilities

• Evaluate creditworthiness by processing loan applications and documentation within specified limits
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine all applicable ratios and metrics and set up debt payment plans
• Communicate with clients either to request or to provide information
• Prospect for new clients through market research, sourcing, and strategic planning.
• Justify decisions (approvals/rejections) and report on them
• Complete loan contracts and counsel clients on policies and restrictions
• Update job knowledge on types of loans and other financial services
• Maintain and update account records
• Assess customer needs, explore all options and introduce different types of loans
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
• Go the extra mile to build trust relationships, customer loyalty, and satisfaction throughout the underwriting process
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines

Requirements

• B.sc/HND in any discipline preferably Statistics, Banking, and finance or Marketing
• Minimum of at least 2 years experience as a loan officer or sales executive in a financial institution
• Minimum of 5 credits including Mathematics and English
• Familiarity with computers and banking applications/software
• Solid understanding of direct/indirect lending products and practices
• Excellent communication and interpersonal skills
• Customer satisfaction orientation and sales competencies
• Ability to work in a goal oriented environment
• Convincing and sales closing skills