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Loan Credit Officer in a Reputable Electric Utility Organization - TeamAce Limited
About this role
A full-time Loan Credit Officer role based in Lekki Phase 1, Lagos, for candidates with experience in credit analysis or loan-related roles. The position involves assessing loan applications, evaluating creditworthiness, managing documentation, and monitoring loan portfolios to aid timely repayments.
What you would do
- Monitor loan accounts, repayment schedules, and outstanding balances.
- Identify risks and early signs of default in facilities.
- Review loan applications and supporting documents to assess creditworthiness.
- Prepare loan appraisal reports with recommendations for approval, modification, or rejection.
- Conduct customer verification, credit checks, and due diligence.
- Analyse applicants’ income, cash flow, obligations, and repayment history for credit decisions.
What they are asking for
- Experience in financial services, lending, microfinance, utility, or related environment is advantageous.
- BSc or HND in Accounting, Finance, Economics, Business Administration, or related field.
- 2–4 years of experience in loan credit, credit analysis, or related roles.
- Strong understanding of credit assessment, loan documentation, repayment analysis, credit risk, and collections.
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