Jobs at Elocuencia Consulting

Key Responsibilities

• Actively promote and sell our loan products and services to small business owners within your assigned territory.
• Conduct regular field visits to assess loan applications, evaluate applicant suitability, and guide clients through the entire application and approval process.
• Perform thorough credit assessments, approve eligible loans, disburse funds, and actively monitor loan portfolios to ensure timely repayments.
• Build and maintain long-term, trust-based relationships with clients in your territory.
• Strictly adhere to all company credit policies, procedures, and operational guidelines.
• Consistently meet and exceed monthly targets for loan disbursements, portfolio growth, and collections/recovery.

Requirements & Qualifications

• Minimum qualification: NCE or OND.
• Experience: 0–1 year in microfinance, banking, sales, or field-based credit/marketing roles.
• Recent NYSC graduates who are highly motivated and results-driven are strongly encouraged to apply.
• Important: Please do not apply if you have not yet been mobilized for NYSC, are still awaiting your call-up letter, or do not have your discharge certificate.
• Excellent verbal and written communication, negotiation, and interpersonal skills.
• Self-driven, proactive, and results-oriented with the ability to work independently with minimal supervision.
• Must be currently residing in Ile-Ife, Osun or its immediate surroundings.
• Must be available to start work immediately (candidates who cannot commence promptly will not be considered).

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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