Credit/Loan Officer at PG Consulting Limited

Our client, a well-extended trading company dealing in Sanitary Wares with its HQ in Lagos requires the services of a competent experienced, dynamic CREDIT/LOAN OFFICER to set up the loan application process, gathering required financial documentation and approving or denying loan request based on the company’s financial calculations.

This individual must have excellent financial acumen and the ability to accurately interpret financial data to make life-changing decisions.

Job Description

• Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.
• Collecting the needed financial documentation and assessing the client’s creditworthiness.
• Approving or denying loan request and communicating same decision to both client and management.
• Calculating and analysing the risk ratios of clients based on their credit score and financial history.
• Ensuring loan applications are in line with the company’s financial policies, as well as State laws and regulations.
• Responsible for collecting information about potential solvency of credit applicants.
• Evaluate credit and investment risks of loans, guarantees and investment activities.
• Identify, measure and mitigate the risk of new transactions and make recommendations regarding deal structuring, pricing with focus on financial intermediaries.
• Setting credit policies, lines, standards, and procedures in collaboration with the senior management.
• Answering the clients’ questions about the loan process, taking care of customer complaint and fixing them.

Qualifications / Requirements:

• Fist Degree in Accounting, and Banking & Finance or similar field.
• Minimum of 2 years’ experience as a Credit/loan officer.
• Ability to work with loan management software.
• Strong communication skills and proven customer service experience.
• Hands-on experience with lending procedures and products.
• Strong analytical skills.
• Good decision-making abilities
• Exceptional math skills
• Ability to work under pressure as and when required.
• Ability to create financial spreadsheet.

Salary Range

N120,000 – N150,000 Monthly