Field Credit Officer (Delta)

About this role

A Field Credit Officer in Delta handles onboarding and management of businesses accessing Moniepoint’s credit products. The role involves assessing credit applications using factors such as capacity, character and capital, monitoring loan performance, and making recommendations before, during and after disbursement. The officer will visit business locations, analyse financials, and aim to grow a profitable loan portfolio with timely repayments. The position is onsite and outsourced, reporting to the Regional Credit Manager. The employer is Moniepoint Incorporated, a global business payments and banking platform expanding in Africa.

What you would do

• Engage customers to maximise usage of accounts to qualify for credit access
• Monitor active loan portfolios to ensure repayment performance
• Conduct physical visits to potential borrowers' business places for evaluation
• Review and approve or decline loan requests based on data analysis
• Meet gross loan portfolio targets and portfolio profit targets
• Identify and onboard viable businesses within the assigned area to open Moniepoint business accounts
• Perform other credit-related tasks as assigned by a supervisor

What they are asking for

• Minimum OND in any business-related discipline
• Demonstrable knowledge of credit risk analysis
• Good knowledge of financial analysis (added advantage)
• Minimum 2 years’ experience in a sales role for credit products in a financial institution
• Attention to detail
• Agility and perseverance
• Excellent communication, presentation and interpersonal skills
• Proven analytical skills

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