The credit Officer should be; Honest, intelligent, creative, self-driven and hardworking individual. He will be required to; Appraise, recover and market our loans.

Ensure that credit worthiness of loans applicants is thoroughly evaluated before advancing the loan.
Strict compliance with all collections Standard Operating Procedures(SOPs) and follow up effectively with clients whose loan payments are getting due so that their loans do not get into arrears
Performs all loan collection activities early enough to prevent loans from getting into arrears.
Monitor, maintain and update loan files as and when required
Ensure that collateral securities are thoroughly examined and analyzed before approving the loans.
Handle customer complaints and take appropriate actions to resolve them and forward those above him to the Management.
Negotiate payment arrangements with borrowers who have delinquent loans and arrange for liquidation of delinquent collateral properties whose owners are non-committal.
Conduct market research to analyze and identify potential loan markets and new business opportunities and develop referrals networks in order to locate prospects for loans.
Analyses customer feedback data to determine whether customers are satisfied with company products and services.
Write reports and take up any other duty as may be assigned.