Credit Officer at Michael Stevens Consulting

Job Brief

• We are seeking a proactive and result-driven Credit Officer (Sales) to drive loan acquisition and grow our client base.
• The ideal candidate will be responsible for identifying credit-worthy clients, promoting loan products, assessing credit applications, and ensuring prompt disbursement while maintaining portfolio quality.
• This role combines sales targets with credit risk evaluation, requiring strong interpersonal and analytical skills.

Summary

• The ideal candidate should have excellent oral and written communication skills and be able to persuade prospective clients to sign on to our loan product(s).
• Ultimately, a successful sales executive should be passionate about selling and be willing to overcome challenges gracefully.

Responsibilities

• Market loans to target audience for portfolio growth.
• Conduct field visits, business assessments, and customer verifications to evaluate creditworthiness.
• Generate quality leads, follow up on prospects, and convert them into active clients.
• Present credit recommendations to the credit committee for approval.
• Loan Form Documentation and follow through to disbursement.
• Maintain strong customer relationships and provide excellent post-disbursement support.
• Rendition of periodic activity reports.
• Analyze market trends and advice accordingly as part of product improvement.

Requirements and Skills

• Prior on the field sales experience is mandatory.
• Bachelor’s degree in Finance, Business Administration, Banking, or a related field.
• Minimum of 2–3 years of experience in credit sales, micro-lending, or financial services is mandatory.
• Strong sales and marketing skills with a proven ability to meet or exceed targets.
• Good understanding of credit risk assessment and loan documentation.
• Excellent communication, negotiation, and interpersonal skills.
• Proficiency in MS Office (Word, Excel, PowerPoint).
• Ability to work under pressure and in a performance-driven environment.
• Familiarity with the local market and customer segments is an added advantage
• Strong persuasive and interpersonal skills.
• Excellent time management skills and the ability to prioritize work.
• Attention to detail and problem-solving skills.
• Excellent written and verbal communication skills.
• Must have completed NYSC.

Renumeration

• Salary: N120,000.00 – N180,000.00 (Negotiable)
• Transport and airtime allowance included
• Commission on loan value sold.
• 20% base salary increase on attainment of 2 consecutive months’ set