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Credit Officer
About this role
The role is for a Credit Officer based in Sagamu, Ogun, employed on a full-time basis. The employer, Ascentech Services Limited, is a human resource solutions provider. The role involves managing credit risk, monitoring loan repayments, maintaining credit records, and ensuring adherence to credit policies and procedures, including evaluating applicants’ creditworthiness and supporting responsible lending decisions.
What you would do
- Monitor loan portfolios, repayment schedules, overdue accounts and delinquent loans
- Analyse customers’ financial information, income, credit history and supporting documents
- Identify potential credit risks and recommend measures to minimise defaults
- Review and assess credit applications to determine creditworthiness and repayment capacity
- Maintain accurate credit files, loan documentation and portfolio records
- Prepare reports on credit exposure, loan performance, repayment rates and outstanding balances
- Follow up with customers on outstanding payments and coordinate recovery efforts
- Conduct credit risk assessments and make recommendations on approvals, limits and terms
- Verify customer information and perform due diligence prior to approval
- Support compliance with organisation’s credit policies and procedures
What they are asking for
- Minimum of 3 years’ relevant experience in credit management, analysis, loan administration or lending operations
- Excellent communication, negotiation and customer relationship management skills
- Strong understanding of credit assessment, risk analysis, loan monitoring and debt recovery processes
- Bachelor’s degree or HND in Accounting, Finance, Banking and Finance, Economics, Business Administration or related discipline
- Willingness to work on-site in Sagamu, Ogun State
- Strong analytical, numerical and decision-making skills
- Proficiency in Microsoft Excel and other relevant financial or credit management systems
- Key competencies: Credit Analysis and Loan Appraisal; Credit Risk Assessment; Financial Analysis and Documentation; Debt Recovery and Delinquency Management; Loan Portfolio Monitoring; Credit Reporting and Record-Keeping
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