About the Role
Ascentech Services Limited is seeking a detail-ored and experienced Credit Officer to join our dynamic team on-site in Sagamu, Ogun State. In this role, you will play a crucial part in assessing credit applications, evaluating customer creditworthiness, and driving responsible lending decisions to support our ongoing growth and financial stability.
Key Responsibilities- Review and assess credit applications to determine applicants’ creditworthiness and repayment capacity.
- Analyse customers’ financial information, income, credit history, and supporting documentation.
- Conduct thorough credit risk assessments and provide recommendations on loan approvals, limits, and repayment terms.
- Verify customer information and perform comprehensive due diligence prior to credit approval.
- Monitor active loan portfolios, repayment schedules, overdue accounts, and delinquent loans.
- Follow up with customers regarding outstanding payments and coordinate effective recovery efforts.
- Identify potential credit risks and recommend proactive measures to minimise loan defaults.
- Maintain accurate credit files, loan documentation, and portfolio performance records.
- Prepare regular reports detailing credit exposure, loan performance, repayment rates, and outstanding balances.
- Bachelor’s degree or HND in Accounting, Finance, Banking and Finance, Economics, Business Administration, or a related field.
- Minimum of 3 years of proven experience in credit management, credit analysis, loan administration, or lending operations.
- Solid understanding of credit assessment, risk analysis, loan monitoring, and debt recovery processes.
- Strong analytical, numerical, and decision-making capabilities.
- Proficiency in Microsoft Excel and relevant financial or credit management systems.
- Excellent communication, negotiation, and customer relationship management skills.
- Must be willing to work on-site in Sagamu, Ogun State.
- Competitive salary package commensurate with experience.
- Opportunities for professional growth and career advancement.
- Comprehensive health insurance and other corporate benefits.
- A collaborative and supportive work environment.