Credit / Loan Officer at WhiteSpace Services Limited

Job Brief

• They are urgently looking for a business oriented and target driven individual to join their team as the Credit Officer.
• Who will be responsible for supporting themonitoring and repayment activities of loans.
• Coordinate, supervise, market loan products and process loan applications for Customers.

Job Description

• Responsible in acquisition and management of loans and savings portfolio; Loan initiation, customer data collection with approved device and channel.
• Support in loan monitoring and repayment activities.
• Support the call centers in managing the relationships with customers and field visits during emergencies.
• Ensure each loan disbursed are in compliance with AKU lending procedures and policies.
• Compile credit files with required documentation and hand over to back-office staff for processing.
• Coordinate, supervise, market loan products and process loan applications for Customers.
• Work with the branch manager to evaluate loan processing to determine customers financial eligibility and feasibility of repayment of loans.
• Determine all applicable ratios and metrics and set up loan payment plans.
• Complete loan contracts and counsel clients on policies and restrictions
• Opening loan applications Conducting loan analysis by visiting the business and household of clients
• Visiting the business /employer of guarantors and preparing a complete loan assessment according to the bank’s credit procedures
• Ensuring punctual repayments of acquired loans from clients, contacting and visiting all parties based on needs.
• Any other responsibilities required by the Branch Manager in line with AKU policies.

Experience & Requirements

• Candidates should possess HND / B.Sc Degrees with 4+ years relevant work experience in Banking/Fintech
• Excellent and strong relationship management experience
• Excellent attention to detail
• Ability to deal with confidential matters and with discretion.
• Strong interpersonal and communication skills
• Experienced in repayment tracking and loan collection without a day default.
• Excellent communication, marketing, customer service and interpersonal skill
• Must be willing to relocate/be conversant with Ajjali and its environs.

Benefits

• Salary: N120,000 - N200,000 Monthly.
• Performance target pay based on agreed targets
• Pension
• Annual leave allowance
• Mobility allowance
• HMO (Health, Dental, Vision).