Job Description
The position exists to provide credit advice to existing and prospective clients, handling and resolving their complaints or accounts queries, developing and maintaining business relations as well as recovery of overdue amounts in order to balance the needs of the customer and the business
Duties and Responsibilities
Solicits for application for credit through direct and/or indirect methods of communication or engagement.
• Visits, collects and/ or confirms/validates information contained and/or attached to application for credit.
• Conducts an affordability assessment to confirm that the applicant’s income is adequate to service the loan without violating any policy and/or legal restrictions imposed by the credit criteria, employer, and/or law.
• In the case of an application for credit by an institution or business, analyze financial, quantitative and qualitative data contained in the application and/or collected during the visit to the business or discussion with the applicant with a view to assessing the ability to repay the proposed loan in accordance with the credit criteria to ensure all loan application approved are of high quality.
• Prepares the credit proposal in accordance with the credit policy and procedures manual,
• Explain the terms and conditions of the approved loan to each applicant/client, prepare, and perfection (executed)of all documentation required and precedent to disbursement or drawdown as stipulated in the approval notification.
• Ensures that the disbursement or drawdown is undertaken as stipulated in the approval notice.
• Monitors the performance of each loan under your portfolio, pick up early warning signs of potential distress, engage the client to ensure undesirable trends are reversed, and sustain the loan repayment in accordance with the terms and conditions thereof.
• Engages customers to regularize their accounts by paying up arrears and/or improve security,
• Review all non-performing loans, prepare and submit exception reports to your supervisor.
• Manage and maintain client relationship, client loyalty through high quality service to ensure low churn rate.
• Assists the front office (sales/business development/ retail/treasury) in developing weekly/monthly plans with regards to client mobilization and individual performance goals.
• Researches and develops business opportunities within assigned geographical zone and assist marketing department with market research and impact studies upon request.
• Markets all the products and services to potential clients by using the promotional tools approved by management.
Qualifications and Experience
•Basic mathematical and analytical skills required.
• Bachelor’s Degree/HND with minimum of 2nd Class Lower (2.2) or Credit in any related discipline.
• Minimum of 2 to 3 years experience in a client facing sales role shall be an added advantage.
How to Apply
Please apply on the link below;
https://forms.gle/uUrioqnDLUJm9G9fA
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