Job Location : Kogi Deadline : August 03, 2025 Quick Recommended Links

About The Role

The Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state. This role involves setting performance targets, ensuring credit risk is managed effectively, maintaining a healthy loan portfolio, and driving growth of the business and loan products. The Portfolio Manager will collaborate closely with other departments (Products, Risk, Operations, etc.) to uphold credit policies and ensure successful loan disbursement and repayment.

Key Responsibilities
Team Leadership and Management

Supervise, mentor, and provide guidance to Field Credit Officers (FCOs) within the assigned state.
Set and communicate clear performance goals and objectives for the FCOs, ensuring alignment with the company's overall targets and strategy.
Conduct regular performance reviews, identify training needs, and foster professional growth among team members.

Portfolio Oversight and Growth

Develop and implement strategies to grow a robust and profitable loan portfolio in the assigned state.
Monitor and analyze overall portfolio performance, including loan approvals, disbursements, and repayments, to ensure targets are met.
Identify trends and potential risks, taking proactive measures to mitigate any issues that could impact portfolio health.

Credit Risk Management

Ensure adherence to the organization's credit policies and procedures.
Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.
Conduct periodic credit risk assessments and collaborate with the Regional Credit Manager and VP, Credit Portfolio Management to refine and enhance credit evaluation frameworks.

Compliance and Reporting

Maintain compliance with regulatory requirements and internal policies related to credit operations and portfolio management.
Prepare and present regular portfolio performance reports to Regional Credit Manager and VP, Credit Portfolio Management, highlighting key metrics, trends, and recommendations for improvement.
Ensure all documentation and records are accurate, up-to-date, and in line with compliance standards.

Stakeholder Engagement

Collaborate with cross-functional teams (Products, Operations, Risk, etc.) to ensure seamless loan disbursement and servicing processes.
Develop and maintain strong relationships with business clients and community stakeholders to enhance the company's market presence.
Address and resolve escalated customer issues and inquiries related to the loan portfolio.

Process Improvement

Identify process gaps and inefficiencies within credit administration, making recommendations for system and process enhancements.
Stay informed of industry best practices, market trends, and competitor activities, adapting strategies as needed.

Qualifications

Bachelor's Degree (or higher) in Business, Finance, Economics, or a related field
Minimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.
Demonstrable experience in credit risk analysis and financial analysis.
Strong knowledge of regulatory requirements and compliance in the financial sector.
Proven track record in managing and growing a loan portfolio in a fast-paced environment.
Must be resident in the state of responsibility.

Relevant Skills

Other Requirements

High degree of integrity, professionalism, and confidentiality when dealing with sensitive information.
Flexibility to travel for client visits, team meetings, and on-site evaluations as needed.
Proactive and results-driven mindset, with a commitment to continuous improvement.

Portfolio Manager (Kogi)