Jobs at the Workplace Centre Limited

Location: Lekki Phase 1, Lagos
Employment Type: Full Time / Permanent

Job Description

• We are looking for a Sales Officer (Credit Manager) to oversee our company’s lending process, from evaluating clients’ creditworthiness to approving or rejecting loan requests.
• Credit Manager responsibilities include creating credit scoring models, setting loan terms, and determining interest rates.
• To be successful in this role, you should have a degree in Accounting or Finance along with experience processing loan applications. Previous banking experience is a plus. Ultimately, you will help us minimize bad debts and increase revenues from loans.

Key Deliverables:

• Research and evaluate clients’ creditworthiness
• Create credit scoring models to predict risks
• Approve or reject loan requests, based on credibility and potential revenues and losses
• Calculate and set interest rates
• Negotiate loan terms with clients
• Monitor payments
• Maintain records of loan applications
• Follow up with clients to manage debt settlements and loan renewals
• Ensure all lending procedures comply with regulations
• Evaluating the creditworthiness of potential customers.
• Creating credit scoring models for risk assessments.
• Approving and rejecting loans based on available data.
• Calculating and setting loan interest rates.
• Negotiating the terms of the loan with new clients.
• Ensuring all loans and lending procedures comply with regulations.
• Maintaining records of all company loans.
• Monitoring loan payments and bad debts.
• Reviewing and updating the company’s credit policy.
• Develop, review and update our company’s credit policies

Desired Qualifications and Skills

• HND, B.Sc Degree in Accounting, Economics, Banking and Finance or relevant field.
• 7 - 10 years’ Experience as a credit officer
• Proven work experience as a credit manager.
• Advanced knowledge of accounting software.
• Hands-on experience with accounting software
• Proven work experience as a Credit Manager, Credit Analyst or similar role
• Good understanding of lending procedures.
• Advanced mathematical skills.
• Solid understanding of lending procedures
• Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel).

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Location: Lekki Phase 1, Lagos
Employment Type: Full Time / Permanent

Key Deliverables

• Promotes and sells various liability products offered by the bank, aiming to attract low-cost deposits from diverse customer segments, and sources current and savings accounts.
• Prospects for new customers through existing leads, referrals, cold calling etc. and maximizing lead generation
• Ensures timely follow through and healthy closure rate of leads.
• Achieves ascribed monthly sales target.
• Informs customers of new products or product enhancements to further expand the banking relationship and enhance customer value.
• Establishes and maintains effective relationships with customers, and maintains high level of customer service
• Advises customers on available bank products and services based on understanding of customers’ financial needs and recommends appropriate solutions.
• Cross-sells secured assets offered by the bank.
• Adheres to expected level of due-diligence, internal policies and KYC norms while opening new accounts
• Generate new business through aggressive prospecting via cold calling, the internet, networking and trade shows
• Identify large opportunities and develop the actions necessary to win business.
• Work with Sales Management, and fellow Business Development Managers to implement sales strategies, identify opportunities, close sales, motivate the team and spur growth.

Desired Qualifications and Skills

• HND, B.Sc Degree in Accounting, Economics, Banking and Finance or relevant field.
• Five (5) to seven (7) years sales experience required.
• Translation & localisation industry experience is preferred.
• Experience working with or in the financial service sector is preferred.
• Proven track record in achieving sales targets.
• Demonstrated sales ability in every aspect of sales lifecycle.
• Ideal candidate will have established network of professionals and buyers within the industry
• Outstanding verbal and written communication skills.
• Strong presentation and closing skills.
• Must be comfortable doing business over the phone and be a confident and aggressive prospector.