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

Duties and Responsibilities
• Solicit for application for credit through direct and/or indirect methods of communication or engagement.
• Visit, collect and/ or confirm/validate information contained and/or attached to application for credit.
• Conduct 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.
• Prepare 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.
• Ensure that the disbursement or drawdown is undertaken as stipulated in the approval notice.
• Monitor 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.
• Engage customers to regularise 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.
• Assist the front office (sales/business development/ retail/treasury) in developing weekly/monthly plans with regards to client mobilization and individual performance goals.
• Research and develop business opportunities within assigned geographical zone and assist marketing department with market research and impact studies upon request.
• Market all the products and services to potential clients by using the promotional tools approved by management.

Qualifications and Experience

Qualifications And Experience
• Strong customer orientation.
• 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.
Critical Competencies
• Motivation - sets and achieves challenging goals; demonstrates persistence and overcomes obstacles; measures self against standard of excellence; task calculated risks to accomplish goals.
• Planning/ organizing - prioritizes and plans work activities; uses time efficiently; plans for additional resources; set goals and objectives; organizes or schedules other people and their tasks; develops realistic action plans.
• Quality - demonstrates accuracy and thoroughness; looks for ways to improve and promote quality; applies feedback to improve performance; monitors own work to ensure quality.
• Analytical - synthesizes complex or diverse information; uses intuition and experience to complement data.
• Problem Solving - identifies and resolves problems in a timely manner; gathers and analyzes information skilfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.
• Technical Skills - strive to continuously build knowledge and skills; Shares expertise with others.
• Interpersonal Skills - focuses on solving conflict, not blaming; maintains confidentiality; remains open to others’ ideas and tries new things.
• Teamwork - balances team and individual responsibilities; contributes to building a positive team spirit; puts success of team above own interest; able to build morale and group commitments to goals and objectives; Supports everyone’s efforts to succeed.