Summary
Date Posted: Monday, March 21, 2022 , Base Salary: Not Disclosed

JOB DETAILS:
Human Capacity Development Consultants (HCDC) Limited is a vibrant and innovative company committed to the goal of developing human capital in organisations for exceptional business results We build organisations to achieve optimum performance by developing their human capacity to peak productivity levels
Our client, one of the leading companies in the financial services industry is seeking to fill the position of a Credit officer.

RESPONSIBILITIES
The role will be responsible for screening loan requests, evaluating clients' financial information, assessing risk ratios, and presenting approved or rejected loans to management.
Meet with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.
Collect the needed financial documentation and assessing the clients' creditworthiness.
Calculate and analyze the risk ratios of clients based on their credit score and financial history.
Approve or deny loan requests, and communicate the decision to both clients and management.
Set up payment plans for clients explaining monthly instalment amounts, interest rates, and other costs.
Maintain records of loan applications by using loan management software.
Manage loan renewals by organizing follow-up meetings with clients.
Monitor the progress of the loan application process and relaying any hindrances to clients.
Review, update and assess the risk of individual credit applications
Refer complicated or difficult applications to the supervisor
Compile all necessary paperwork and store it in the appropriate files
Suggest new credit policies and processes as the need arises
Reconcile accounts and determine appropriate payment schedules

REQUIREMENTS
Bachelor of Science in accounting, finance, banking, business, or a similar field.
A minimum of 2 years' experience as a credit officer.
Excellent knowledge of loan application procedures and best lending practices according to laws and regulations.
Ability to work with loan management software
Strong communication skills and proven customer service experience.
Exceptional analytical skills and the ability to work with complicated financial data.
Excellent organizational skills and the ability to work well under pressure.
Strong ethical behavior and the ability to work with sensitive financial information.

Work Hours: 8

Experience in Months: 24 12:00:00 AM Bachelor Degree

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