Field Credit Officer (Abia State) Secondary School (SSCE) Job

Job Purpose


As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.


Job Responsibilities


Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
Review and approve (or decline) loan requests by thoroughly analyzing all the data available
Embark on physical visitation to potential borrowers' business places for evaluation of business books, taking inventory and turnover into consideration
Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
Perform all other credit related functions as may be assigned by a supervisor


Qualifications


A minimum of an OND in any business related discipline
A minimum of 2 years experience in a sales role for credit products in a financial institution
Demonstrable knowledge of credit risk analysis
A good knowledge of financial analysis is an added advantage
Must be resident in Abia State

Moniepoint Inc. is a leading financial technology company that provides a seamless platform for businesses to accept digital payments, access credit and access simple business management tools that enable them to grow with ease. We are the parent company of TeamApt Ltd and Moniepoint MFB and we support over 600,000 businesses to process $12 billion monthly through our digital payment acceptance channels.