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

• 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

• Excellent communication and customer service skills
• Strong attention to detail and a mind for numbers
• Computer Literate

• Degree or diploma in Banking and finance, or any related field
• Driving License will be an added advantage