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Credit Officer
About this role
A Credit Officer is needed to assess credit applications, evaluate customers’ creditworthiness, and help ensure responsible lending. The role involves managing credit risks, monitoring loan repayments, and maintaining accurate credit records in line with the organisation’s policies. The position requires analysing financial information, conducting due diligence, and identifying and mitigating credit risks. The job is located in Sagamu, Ogun State, and is on-site with Ascentech Services Limited. The employer provides recruitment and selection services and acts as a gateway to a range of opportunities for professionals.
What you would do
- Review credit applications to determine creditworthiness and repayment capacity
- Analyse customers’ financial information, income, credit history and supporting documents
- Conduct credit risk assessments and make recommendations on approvals, limits and terms
- Verify customer information and perform due diligence before approval
- Monitor loan portfolios, repayment schedules, overdue accounts and delinquencies
- Follow up on outstanding payments and coordinate recovery efforts
- Identify potential credit risks and suggest measures to minimise defaults
- Maintain accurate credit files, loan documentation and portfolio records
- Prepare reports on credit exposure, loan performance and outstanding balances
What they are asking for
- Bachelor’s degree or HND in Accounting, Finance, Banking and Finance, Economics, Business Administration or related discipline
- Minimum of 3 years’ relevant experience in credit management, analysis, loan administration or lending operations
- Understanding of credit assessment, risk analysis, loan monitoring and debt recovery processes
- Strong analytical, numerical and decision-making skills
- Proficiency in Microsoft Excel and other financial or credit management systems
- Excellent communication, negotiation and customer relationship management skills
- Willingness to work on-site in Sagamu, Ogun State
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