CREDIT OFFICER

Are you skilled at spotting credit risks before they become bad debts? This opportunity is for you!
A growing organisation is seeking an experienced Credit Officer to assess loan applications, evaluate customers’ repayment capacity, manage credit risks, and support responsible lending decisions.

✅ Assess credit applications and determine customers’ creditworthiness.
✅ Analyse financial records, income, credit history, and supporting documents.
✅ Recommend loan approvals, credit limits, and repayment terms.
✅ Conduct customer verification and due diligence.
✅ Monitor loan portfolios, overdue accounts, and repayment schedules.
✅ Follow up on outstanding payments and support debt recovery.
✅ Identify potential risks and recommend measures to reduce loan defaults.
✅ Maintain accurate credit records and prepare portfolio performance reports.

▪️ BSc/HND in Accounting, Finance, Banking, Economics, Business Administration, or a related field.
▪️ At least 3 years’ experience in credit analysis, credit management, loan administration, or lending operations.
▪️ Strong knowledge of credit assessment, risk analysis, loan monitoring, and debt recovery.
▪️ Excellent analytical, numerical, and decision-making skills.
▪️ Proficiency in Microsoft Excel and relevant credit management systems.
▪️ Strong communication, negotiation, and customer relationship skills.
▪️ Must be willing to work on-site in Sagamu, Ogun State.