Summary
Date Posted: Thursday, July 02, 2020 , Base Salary: Not Disclosed

JOB DETAILS:
Our client is looking for a Credit Officer/ Analyst to join their team
Job Role: Credit Officer/ Analyst
Industry: Banking / Financial / Insurance
Salary: Negotiable .

Key responsibilities
• Reach out to potential clients and provides loans to qualifying prospects.
• Responsible for full lending cycle of loan initiation, processing, monitoring and repayment. Select clients, provide detailed products and services information, conduct client evaluation, collect all the necessary documents and check their accuracy, present credit proposals at credit committees, and process loans documentation.
• Explain to clients all the details of the disbursement and repayment process.
• Manage the loan accounts by closely monitoring repayment behaviors and client’s socio-economic situation.
• Maritain a high-quality loan portfolio and manage its sound growth based on performance targets and detailed working plans.
• Develop weekly and monthly action plans with regard to client mobilization and individual performance goals.
• Maintain a good knowledge of his/her assigned market area and understanding of clients’ needs and competing products. Research and develop new business opportunities within assigned geographical zone.
• Research background documentation and review personal and business financial statements and tax returns. Analyze financial information and prepare the preliminary analysis for loan underwriting
• Consult and work in tandem with Loan Officers/Receptionist/Direct Sales Agents in gathering appropriate documentation to resolve credit quality issues.
• Conduct thorough analysis of each borrowers payment capacity and willingness; and evaluate the credit risk. Actively work on maintaining clients’ repayment willingness.
• Fully responsible for all collections efforts regarding clients in his/her portfolio; daily monitor clients’ repayment, act immediately on loans in arrears according to the Credit Policy. Present all delinquent clients and recommend solutions to the Collections officer and CEO.

Job Skills: Not Specified

Qualifications
• Strong Mathematics and analytical skills required
• Writing, reading and comprehension skills
• Keen attention to detail.
• Strong customer orientation.
• 3 Years of Experience
• Diploma in Banking and Finance, Business Administration, Economics or any other relevant Business Related
• Degree added advantage.
• Working in a client-facing sales role, in educational profession is highly desired.

Job Education Requirements: Not Specified

Job Experience Requirements: Not Specified

Work Hours: 8

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Job application procedure
To apply for this job please visit https://www.recruitmentmattersafrica.com/job.php?rmjid=11304  

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