Head of Credit at Winock Solar Limited

Job Objective

• Oversee the company’s lending process, creating credit scoring models, setting loan terms and determining interest rates; minimize bad debts and increase revenues from loans.

Key Responsibilities
The Job responsibilities include without limitation, the following:

• Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.
• Acts as a liaison between financial institutions, individuals and businesses applying for loans , as well as process loan application
• Research and evaluate clients’ creditworthiness
• Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
• Create credit scoring models, both mathematical and statistical ones that directly relate to the risk being measured or predicted risk.
• Approve or reject loan requests, based on credibility and potential revenues and losses
• Calculate and set interest rates
• Monitor payments
• Recording anticipated economic environment changes.
• Reconcile credit files and identify discrepancies and variances
• Follow up with clients to manage debt settlements and loan renewals
• Ensure all lending procedures comply with regulations
• Develop, review and update our company’s credit policies
• Provide a daily, weekly and Monthly report to management.

Qualifications and Experience

• Graduate (BSc) Degree or HND in any field.
• Having field work experience with a minimum of 5 years experience
• Having relevant experience is an added advantage.

Functional Competencies and Skills:

• Attention to details and analytic skill
• Effective Time Management skills
• Effective communication skills
• Confidentiality and ethical attributes
• Working knowledge of Microsoft office suite
• Customer relationship management skills
• Working knowledge of Business and CRM softwares specifically SugarCRM, Quickbooks

Salary
N150,000 - N200,000 Monthly.