Credit Officers (Sales)

We are seeking a proactive and result-driven Credit Officer to drive loan acquisition and grow

our client base. The ideal candidate will be responsible for prospecting and 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.

JOB TITLE: Credit Officer

EMPLOYMENT TYPE: Full-time

LOCATION: Port-Harcourt, Rivers State.

REPORTING DIRECTLY TO: Sales Team Lead

RESPONSIBILITIES

 Generate quality leads, follow up on prospects, and convert them into active clients.

 Conduct field visits, business assessments, and customer verifications to evaluate

creditworthiness.

 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

 Bachelor’s degree in Finance, Business Administration, Marketing, 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

REMUNERATION:

 Salary: N140,000.00 – N180,000.00 (Negotiable)

 Transport and airtime allowance.

 Commission on loan value sold.

 20% base salary increase on attainment of 2 consecutive months’ set.