Field Credit Officer (Ekiti)

About this job

<p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>About Us:<span class="Apple-converted-space"> </span></strong></span></p> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Ranked in 2024 by the Financial Times, Moniepoint is Africa’s fastest-growing fintech, trusted by over <strong>10 million business and individual accounts</strong>, processing <strong>billions of Naira in transactions monthly</strong>.

Key details

• Our mission is to enable financial happiness for every African, everywhere.</span></p> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><em>Job Title:</em></strong><em> Field Credit Officer</em><em><span class="Apple-converted-space"> </span></em></span></p> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><em>Reports to: </em></strong><em>Regional Credit Manager</em><em><span class="Apple-converted-space"> </span></em></span></p> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><em>Employment Type: </em></strong><em>Outsourced</em><em><span class="Apple-converted-space"> </span></em></span></p> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><em>Work Mode: </em></strong><em>Onsite</em></span></p> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>About this role:<span class="Apple-converted-space"> </span></strong></span></p> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">As a Field Credit Officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products.
• You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as and when due.
• As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage innovative tools we have developed to help you monitor their performance during the course of the loan.</span></p> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">You would also be responsible for making deductions from several information sources about the 5Cs of credit, with capacity, character, and capital as major priorities.
• Make recommendations to management before, during, and after the disbursement of a loan facility as to the best actions to be taken, considering several economic factors.</span></p> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>Responsibilities:</strong></span></p> <ul class="ul1" style="text-align: justify;"> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint<span class="Apple-converted-space"> </span></span></li> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit<span class="Apple-converted-space"> </span></span></li> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Review and approve (or decline) loan requests by thoroughly analyzing all the data available<span class="Apple-converted-space"> </span></span></li> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration<span class="Apple-converted-space"> </span></span></li> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing<span class="Apple-converted-space"> </span></span></li> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Monitor active loan portfolio to ensure continued use of business account and loan repayment performance<span class="Apple-converted-space"> </span></span></li> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Perform all other credit-related functions as may be assigned by a supervisor<span class="Apple-converted-space"> </span></span></li> </ul> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>Experience & Background:</strong></span></p> <ul class="ul1" style="text-align: justify;"> <li style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Minimum of an OND in any business-related discipline<span class="Apple-converted-space"> </span></span></li> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Minimum of 2 years’ experience in a sales role for credit products in a financial institution<span class="Apple-converted-space"> </span></span></li> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Demonstrable knowledge of credit risk analysis<span class="Apple-converted-space"> </span></span></li> <li class="li1" style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Good knowledge of financial analysis is an added advantage<span class="Apple-converted-space"> </span></span></li> </ul> <p class="p1" style="text-align: justify;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>Skills & Competencies:</strong></span&gt