Field Credit Officer

About this role

The role is for a Field Credit Officer who will onboard and manage businesses that access Moniepoint’s credit products in Osun. The job focuses on growing the loan portfolio and ensuring timely repayments, with assessment of credit applications and ongoing monitoring of borrowers. You will use the 5Cs of credit, prioritising capacity, character and capital, and make recommendations to management at various stages of the loan cycle. The employer operates a financial technology platform providing payment, banking, credit and business management tools to businesses.

What you would do

• Identify and onboard viable businesses in the assigned area to open Moniepoint accounts.
• Engage customers to maximise account usage so they qualify for credit access.
• Review and approve or decline loan requests after analysing available data.
• Visiting potential borrowers' business premises to assess books, inventory and turnover.
• Aim to meet gross loan portfolio and portfolio profit targets while keeping loans performing.
• Monitor the active loan portfolio for continued account use and repayment performance.
• Carry out other credit-related tasks as assigned by a supervisor.

What they are asking for

• Minimum OND in any business-related discipline.
• At least 2 years' experience in a sales role for credit products in a financial institution.
• Demonstrable knowledge of credit risk analysis.
• Good knowledge of financial analysis (advantage).
• Skills in attention to detail, analytical thinking, communication, presentation and interpersonal abilities.
• Agility and perseverance.

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