Credit Officer at Elizabeth Maddeux

Role Summary

• The Loan / credit Officer (Sales-Focused) is responsible for driving loan product sales, acquiring new clients, and managing customer relationships to achieve revenue targets.
• The role requires proactive prospecting, effective sales conversion, and ensuring quality loan disbursement in line with the organization’s credit policies.

Key Responsibilities

• Identify, prospect, and acquire new customers through field marketing, referrals, partnerships, and direct sales.
• Promote and sell loan products to individuals, SMEs, and corporate clients to achieve monthly and quarterly sales targets.
• Conduct product presentations, cross-selling, and upselling of financial products to maximize revenue per client.
• Develop and maintain strong relationships with clients to encourage repeat business and referrals.
• Guide clients through loan application processes, ensuring completeness and accuracy of documentation.
• Conduct preliminary assessments of client eligibility and submit loan applications for approval.
• Ensure timely loan disbursement and follow up with clients on repayments to maintain portfolio quality.
• Provide excellent customer service by addressing inquiries, resolving complaints, and supporting clients throughout the loan cycle.
• Track, monitor, and report daily/weekly/monthly sales performance against set targets.
• Conduct market research to identify opportunities, competitor activities, and customer needs.
• Provide insights and feedback to management on improving loan products and sales strategies.

Key Performance Indicators (KPIs)

• Loan disbursement volumes and value achieved per month/quarter.
• Number of new clients acquired and retained.
• Loan portfolio quality (repayment rate and delinquency levels).
• Customer satisfaction and referrals generated.

Qualifications & Skills

• Bachelor’s degree in Business, Finance, Marketing, or related field.
• 2–3 years of proven experience in loan sales in a Microfinance bank.
• Strong sales, negotiation, and relationship management skills.
• Excellent communication, presentation, and customer service abilities.
• Target-driven, self-motivated, and able to thrive in a fast-paced sales environment.
• Knowledge of credit processes, risk assessment, and financial products is an added advantage.

What We Offer

• Competitive salary (N150,000 monthly) with performance-based commission/bonus.
• Training and professional development opportunities.
• Career growth in a performance-driven financial institution.
• Supportive team culture and enabling sales environment.

Application Closing Date
30th October, 2025.