Credit Officer at Michael Stevens Consulting

Michael Stevens Consulting is a leading financial and management consulting firm in Nigeria. Founded in 1991 & headquartered in Lagos with other offices in three states in Nigeria and Accra Ghana, we have for over 28 years helped several businesses prosper in their corporate goals. And we still do – more resourcefully, more diligently. • Our vision is to be globally reputed for excellence in providing business and organizational solutions. • Our mission is to assist our clients to create and achieve sustainable business goals through a highly motivated workforce and innovative solutions.

We are recruiting to fill the position below:

Job Title: Credit Officer

Location: Rivers
Employment Type: Full-time
Reporting Directly to: Sales Team Lead

Job Brief

• We are seeking a proactive and result-driven Credit Officer (Sales) to drive loan acquisition and grow our client base.
• The ideal candidate will be responsible for identifying credit-worthy clients, promoting loan products, assessing credit applications, and ensuring prompt disbursement while maintaining portfolio quality.
• This role combines sales targets with credit risk evaluation, requiring strong interpersonal and analytical skills.

Summary

• The ideal candidate should have excellent oral and written communication skills and be able to persuade prospective clients to sign on to our loan product(s).
• Ultimately, a successful sales executive should be passionate about selling and be willing to overcome challenges gracefully.

Responsibilities

• Market loans to target audience for portfolio growth.
• Conduct field visits, business assessments, and customer verifications to evaluate creditworthiness.
• Generate quality leads, follow up on prospects, and convert them into active clients.
• Present credit recommendations to the credit committee for approval.
• Loan Form Documentation and follow through to disbursement.
• Maintain strong customer relationships and provide excellent post-disbursement support.
• Rendition of periodic activity reports.
• Analyze market trends and advice accordingly as part of product improvement.

Requirements and Skills

• Prior on the field sales experience is mandatory.
• Bachelor’s degree in Finance, Business Administration, Banking, or a related field.
• Minimum of 2–3 years of experience in credit sales, micro-lending, or financial services is mandatory.
• Strong sales and marketing skills with a proven ability to meet or exceed targets.
• Good understanding of credit risk assessment and loan documentation.
• Excellent communication, negotiation, and interpersonal skills.
• Proficiency in MS Office (Word, Excel, PowerPoint).
• Ability to work under pressure and in a performance-driven environment.
• Familiarity with the local market and customer segments is an added advantage
• Strong persuasive and interpersonal skills.
• Excellent time management skills and the ability to prioritize work.
• Attention to detail and problem-solving skills.
• Excellent written and verbal communication skills.
• Must have completed NYSC.

Renumeration

• Salary: N120,000.00 – N180,000.00 (Negotiable)
• Transport and airtime allowance included
• Commission on loan value sold.
• 20% base salary increase on attainment of 2 consecutive months’ set

Application Closing Date
23rd July, 2025.

How to Apply
Interested and qualified candidates should send their CV to: ms.consulting@live.com using the Job Title as the subject of the email.