A Credit Officer within the Credit department is tasked with onboarding clients, evaluating clients
application against numerous metrics and consequently managing a portfolio of clients throughout the life cycle of the loan.
Core Responsibilities
-Contacting customers and informing them of their overdue bills.
-Negotiating suitable payment plans.
-Maintaining customer payment records.
-Writing demand letters and final notice warnings to customers when payments are not being
made.
-Responding to customer queries.
-Liaise with customers to determine their needs and recommend the right loan products to help meet
their goals
-Maintain an active knowledge base of all of the organization's loan products and an understanding of
the qualifications required of each applicant
- Identify and recommend products that meets the customer’s needs and the organization's lending
guidelines
- Review active loan files each day to determine if any documents are missing or what can be done to
help the process along
- Utilize professional judgement to determine which potential borrowers represent good risk
opportunities for the organization
- Manage a portfolio of clients throughout the lifecycle of the loan
Qualifications
- Degree or diploma in Banking and finance, or any related field
- Excellent communication and customer service skills
- Strong attention to detail and a mind for numbers
- Computer Literate
- Driving License will be an added advantage
