Credit Officer at SOBIC Company

Description

Job Description


We are looking for a Credit Officer to facilitate lending for our clients by assessing creditworthiness and processing relevant paperwork.

Credit Officer responsibilities include preparing loan applications, evaluating clients’ financial information and calculating risk ratios. To be successful in this role, you should have a good understanding of lending procedures and customer service experience.

Ultimately, you will help our clients acquire loans in a timely manner and ensuring that the loan is being repaid as at when duewhile ensuring we comply with the law


Responsibilities


Review loan requests

Assess clients’ financial status

Evaluate creditworthiness and risks

Contact clients to gather financial data and documentation

Analyze risks and approve or reject loan requests

Calculate financial ratios (e.g. credit scores and interest rates)

Set up payment plans

Maintain updated records of loan applications

Follow up with clients about loan renewals

Monitor progress of existing loans

keep daily records (Daily Collection Sheet, Ledger etc)

recover default if any from the customer

prepare timely report

any other function as assigned by the Branch Manager.


Skills / Competence


Integrity and diligence

product knowledge

communication skills

excellent customer service

relationship management

target-driven

team-player

computer literacy.

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