Experienced Credit Officer

Job title : Experienced Credit Officer

Summary

• As part of our growth and commitment to maintaining a high-quality loan portfolio, we are seeking a competent, experienced, and result-oriented Credit Officer to join our team.
• The Credit Officer will be responsible for the effective management of the Bank's credit activities, including customer acquisition, credit appraisal, loan documentation, disbursement, monitoring, portfolio management, and recovery.
• The successful candidate must demonstrate strong knowledge of microfinance lending, excellent analytical ability, sound judgment, and the capacity to maintain a healthy loan portfolio while achieving business growth targets.

Key Responsibilities

• Source and develop quality prospective borrowers and business customers.
• Conduct thorough credit appraisal and due diligence on loan applications.
• Assess borrowers' character, capacity, capital, collateral, and business conditions.
• Conduct field visits and verify customers' businesses, residences, guarantors, and other relevant information.
• Prepare comprehensive credit appraisal reports and recommendations.
• Ensure that all loan applications comply with the Bank's approved credit policies and procedures.
• Maintain accurate and complete customer and credit documentation.
• Monitor disbursed loans and ensure effective post-disbursement supervision.
• Track repayment performance and identify early warning signs of delinquency.
• Follow up promptly on overdue loans and implement approved recovery strategies.
• Maintain strong relationships with customers while ensuring adherence to credit terms.
• Achieve assigned loan growth, collection, portfolio quality, and recovery targets.
• Maintain accurate records of customer interactions, repayments, and outstanding obligations.
• Work closely with Operations, Marketing, Risk, Recovery, and Branch Management teams.
• Provide periodic reports on loan portfolio performance, delinquency, recoveries, and emerging credit risks.
• Ensure strict compliance with the Bank's policies, procedures, and applicable regulatory requirements.
• Perform other credit-related duties as assigned by Management.

Requirements
Candidates should possess:

• A minimum of NCE / OND in Marketing, Banking & Finance, Economics, Business Administration, or another relevant discipline.
• A minimum of 2 years' relevant experience in credit/lending operations, preferably within a Microfinance Bank, commercial bank, fintech lending institution, or other financial institution.
• Demonstrable experience in loan appraisal, disbursement, monitoring, and recovery.
• Good understanding of microfinance lending principles and credit risk management.
• Strong analytical, communication, marketing, and negotiation skills.
• High level of integrity, accountability, and ability to meet set targets.

What we Offer

• Competitive salary and performance-based incentives.
• Professional development and career growth opportunities.
• Supportive and performance-driven working environment.
• Opportunity to build a rewarding career in microfinance banking.