Employer: Habib Micro-Finance Bank
Chat212 HR and Recruitment Services is looking to recruit a CREDIT AND LOANS OFFICERS for its Client in Nigeria.
VACANCY - CREDIT AND LOANS OFFICERS
THE ROLE
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.
JOB DESCRIPTION
Below is a breakdown of your daily functions:
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.
QUALIFICATION/REQUIREMENT
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
TO APPLY
FORWARD YOUR CV’S TO gtzcareers@gmail.com on or before 29/12/2013.
