Field Credit Officer – Asset Finance at TeamAce Limited

Job Summary

• The Field Credit Officer will be responsible for managing credit-related field activities, including customer engagement, loan monitoring, and recovery of delinquent accounts.
• The role ensures effective loan performance, timely recovery of outstanding obligations, and compliance with the Bank’s credit, recovery, and regulatory policies, while maintaining professional and ethical standards.

Key Responsibilities

• Conduct field visits to customers for credit monitoring and recovery of delinquent loan accounts.
• Engage customers professionally to assess repayment capacity and agree on feasible repayment plans.
• Monitor loan accounts and follow up on repayment commitments to ensure compliance with agreed terms.
• Accurately document all field activities, customer engagements, and outcomes on approved systems.
• Identify high-risk and non-performing loan accounts and escalate in line with established procedures.
• Ensure all credit and recovery activities comply with internal policies, CBN regulations, and applicable laws.
• Collaborate with internal teams to achieve assigned credit and recovery targets.

Requirements

• Bachelor’s Degree in Business Administration, Finance, Economics, or a related discipline.
• 1–2 years’ experience in credit operations, loan recovery, or a similar role within a financial institution or Microfinance Bank.
• Sound knowledge of credit administration and loan recovery processes.
• Strong negotiation, communication, and interpersonal skills.
• Ability to work independently, manage multiple accounts, and meet assigned targets.
• Proficiency in basic computer applications and reporting tools.

Personal Attributes:

• High level of professionalism, integrity, and confidentiality.
• Results-driven with strong attention to detail.
• Ability to work under pressure and within defined policies.
• Good judgement and customer-focused approach.