Location
Lagos
Job Description
The primary function of a Credit Officer is to identify new customers, appraise and access project applications, prepare assessments and recommendations for approval and educate loaners as to their responsibilities for repayment of loans.
Responsibilities
- To Interview applicants and to clearly explain the lending procedures and requirements of the Bank to potential customers.
- Receive loan applications from potential customers and access customer’s application.
- Carry out an effective Know your customer (KYC) by visiting the business premises as well as the residence to appraise the financial situation of the business/project.
- To advise customers concerning necessary document and financial reports required by the Bank to process their loan applications.
- Process customers application and prepare a credit appraisal memorandum for submission to unit head.
- Ensure that all required documents security documents, loan contract etc are complete and signed by the customer.
- Follow up on all loans outstanding he/she is responsible for. This includes a regular supervision of all outstanding loans to ensure proper utilization of loan funds as well as recovery.
- Ensure strict and continuous follow up of his/her outstanding portfolio by checking the up dated arrears list.
- To ensure that all securities are safe guarded and to keep a security register for all types of loan / advances.
- Ensure that all types of securities fixed deposits, cash lien etc are being maintained and kept up to date.
- Review periodically bad and doubtful accounts for chances of recovery.
- Evaluate loans and customers after payment.
Qualifications
- Minimum of first degree (B.Sc/HND) in Banking & Finance, Business Administration or any other relevant field.
- 1-3 years cognate experience.
- Organized, focused, self driven and result oriented.
- Willing to go the extra mile to get the job done.
How to Apply
FORWARD YOUR CV’S TO gtzcareers@gmail.com
Deadline
29 December, 2013.
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