Field Credit Officer (Edo)

About this role

The role is Field Credit Officer in Edo, employed in an outsourced, onsite capacity reporting to the Regional Credit Manager. The job focuses on onboarding and managing businesses that will access Moniepoint credit products, growing the loan portfolio while ensuring repayments on time. You will assess credit applications using information and tools provided, and conduct field visits to potential borrowers to evaluate their books and operations. The position requires analysing the five Cs of credit with emphasis on capacity, character and capital, and making recommendations to management before, during, and after loan disbursement based on various factors. The employer provides credit services and operates as a fintech offering business accounts and loan facilities.

What you would do

• Identify and onboard viable businesses in your area to open business accounts with Moniepoint
• Engage customers to optimise account usage so they qualify for credit
• Review and approve or decline loan requests by analysing available data
• Conduct physical visits to borrowers to evaluate business books, inventory and turnover
• Meet gross loan portfolio targets and portfolio profit targets while ensuring performing loans
• Monitor active loan portfolio to ensure continued use of business accounts and repayment performance
• Perform other credit-related tasks as assigned by a supervisor

What they are asking for

• Minimum OND in any business-related discipline
• Minimum 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 (added advantage)

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