Field Credit Officer (Rivers)

About this role

A Field Credit Officer in Rivers is responsible for onboarding and managing businesses that will access Moniepoint’s credit products. The role involves assessing credit applications, visiting borrower sites, and monitoring loan performance to grow the loan portfolio while maintaining profitability. You will make recommendations on actions before, during, and after disbursement, using key credit factors such as capacity, character and capital. The position requires engaging customers, evaluating business books, and reviewing loan requests, with targets for loan portfolio growth and profitability. The job is onsite and outsourced, reporting to the Regional Credit Manager.

What you would do

• Engage customers to maximise credit access and optimal account usage.
• Visite borrower business sites to evaluate books, inventory and turnover.
• Identify and onboard viable businesses within your area to open Moniepoint accounts.
• Meet gross loan portfolio and portfolio profit targets while maintaining healthy loan performance.
• Monitor active loan portfolios to ensure repayment performance and ongoing account use.
• Perform other credit-related tasks as assigned by a supervisor.
• Review and approve or decline loan requests based on available data.
• Assist in monitoring and advising on credit risk throughout the loan lifecycle.

What they are asking for

• Minimum of an OND in any business-related discipline.
• Good knowledge of financial analysis is an added advantage.
• Minimum of 2 years’ experience in a sales role for credit products in a financial institution.
• Demonstrable knowledge of credit risk analysis.

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