Field Loan Officer (Ganmon) at Elocuencia Consulting

About the Role

• We are looking for talented, detail-oriented professionals to join our growing credit team. As a Field Loan Officer, you will play a vital role in evaluating credit applications, conducting thorough risk assessments, making sound credit decisions, actively monitoring loan portfolios, and upholding the highest credit standards — all while supporting the company’s business growth.

Key Responsibilities

• Evaluate credit applications from individuals, SMEs, and corporates, and prepare comprehensive credit appraisal memos.
• Perform detailed financial statement analysis, cash flow projections, ratio analysis, and repayment capacity assessments.
• Conduct site visits and business inspections, and produce well-written field visit reports.
• Recommend appropriate credit limits, pricing, collateral requirements, and loan covenants.
• Present credit proposals to the Credit Committee when required.
• Actively monitor your assigned credit portfolio, including early warning detection and follow-up on past-due accounts.
• Maintain accurate, complete, and up-to-date credit files and documentation.
• Build and maintain strong customer relationships while effectively managing credit risk.
• Contribute to the continuous improvement of credit processes and the overall risk management framework.

Requirements

• Minimum qualification: OND
• Hands-on experience in credit/risk management is an advantage but not compulsory
• Sound knowledge of collateral documentation and security perfection
• Excellent interpersonal and communication skills