Credit Officer at ICS Outsourcing Limited

Job Summary

• The Credit Officer will be tasked with the responsibility of evaluating loan applications to determine the eligibility of an applicant for a loan option, assessing creditworthiness, scrutinizing credit risk and ensuring compliance with company policies and regulatory requirements.
• You will play a crucial role in the lending process by providing accurate credit assessments and recommendations to support our clients' financial needs.
• Ultimately, the ideal candidate should have excellent oral and written communication skills to be able to effectively liaise with clients and should possess the capacity to work in a fast-paced environment.

Responsibilities

• Review and analyze loan applications and financial documents to determine credit risk.
• Conduct credit checks and assess the creditworthiness of applicants.
• Evaluate applicants' financial status, credit history, and ability to repay loans.
• Make informed recommendations regarding loan approvals or denials.
• Ensure compliance with lending policies, regulations, and procedures.
• Communicate with applicants to gather additional information and clarify any discrepancies.
• Prepare detailed reports and documentation for loan decisions.
• Collaborate with other departments to ensure a smooth loan processing experience.
• Maintain records of loan applications and monitor payments.

Requirements and Skills

• B.Sc. in any related discipline.
• Must have completed NYSC.
• Minimum of 3 - 5 years’ work experience as a credit officer in a financial sector is mandatory.
• Proficient in Microsoft Word, Excel and Power Point
• Excellent written and verbal communication skills.
• Strong organizational skills and ability to multi-task.
• Strong leadership skills