Credit Officer at Michael Stevens Consulting

Job Brief

• We are seeking to employ a Credit Officer to facilitate lending for our clients by assessing creditworthiness and processing relevant paperwork.
• Credit Officer responsibilities include preparing loan applications, evaluating clients’ financial information and calculating risk ratios. To be successful in this role, you should have a good understanding of lending procedures and customer service experience.
• Ultimately, you will help our clients acquire loans in a timely manner, while ensuring we comply with the law.

Responsibilities

• Review loan requests.
• Assess clients’ financial status.
• Evaluate creditworthiness and risks.
• Contact clients to gather financial data and documentation.
• Analyze risks and approve or reject loan requests.
• Calculate financial ratios (e.g. credit scores and interest rates).
• Set up payment plans.
• Maintain updated records of loan applications.
• Follow up with clients about loan renewals.
• Monitor progress of existing loans.

Requirements

• Candidates should possess an HND / B.Sc in Banking and Finance, Economics or related field.
• Minimum of 2 years work experience.
• Proven work experience as a Credit Officer, Loan Officer or similar role.
• Hands-on experience with lending procedures and products.
• Ability to create and process financial spreadsheets.
• Strong analytical skills.
• Customer service experience