Credit / Risk Officer at a Trading Company - PG Consulting Limited

PG Consulting Limited - Our client, a well-extended Trading Company with its HQ in Lagos State, requires the services of a competent, experienced and dynamic candidate to fill the position below:

Job Title: Credit / Risk Officer

Location: Lagos

Job Description

• Our client is recruiting a Credit / Risk Officer to set up the loan application process, gathering required financial documentation and approving or denying loan request based on your financial calculations.
• This individual should have excellent financial acumen and the ability to accurately interpret financial data to make life-changing decisions.

Responsibilities

• Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.
• Collecting the needed financial documentation and assessing the client’s creditworthiness.
• Approving or denying loan request and communicating your decision to both client and management.
• Calculating and analysing the risk ratios of clients based on their credit score and financial history.
• Ensuring loan applications are in line with the company’s financial policies, as well as state laws and regulations.
• Responsible for collecting information about potential solvency of credit applicants.
• Evaluate credit and investment risks of loans, guarantees and investment activities.
• Identify, measure and mitigate the risk of new transactions and make recommendations regarding deal structuring, pricing with focus on financial intermediaries.
• Analyse financial status, credits and property evaluation of applicant meeting with them.
• Setting credit policies, lines, standards, and procedures in collaboration with the senior management.
• Answering the clients’ questions about the loan process, taking care of customer complaint and fixing them.

Requirements

• First Degree in Accounting, Finance, Banking, Business or a similar field.
• Minimum of 2 years’ experience as a credit officer, loan officer or similar role.
• Ability to work with loan management software, such as, Lend stream, credit Online and File invite.
• Strong communication skills and proven customer service experience.
• Hands-on experience with lending procedures and products.
• Strong analytical skills.
• Good decision-making abilities
• Exceptional math skills
• Ability to work under pressure as and when required.
• Ability to create financial spreadsheet.

Application Closing Date
24th January, 2022.