About Company
Are you a meticulous financial professional seeking to empower individuals and businesses? Career.supersecrets is a dynamic recruitment partner connecting top talent with leading financial institutions across Nigeria. We believe in fostering growth, integrity, and community impact through strategic placements. For a Credit Officer, joining a firm through us means stepping into environments where your analytical skills, risk assessment expertise, and commitment to client success are not just valued but crucial. We prioritize roles that offer continuous learning and development, ensuring you thrive in your career while contributing meaningfully to economic stability in Akure.
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Job Description
Are you a detail-oriented and analytical financial professional with a passion for driving economic growth and supporting responsible lending practices? Career.supersecrets is seeking a dedicated Credit Officer to join the team of one of our esteemed financial partners in Akure, Ondo. This pivotal role involves playing a crucial part in assessing the creditworthiness of loan applicants, managing existing loan portfolios, and ensuring adherence to credit policies and regulatory guidelines.
As a Credit Officer, you will be at the forefront of financial decision-making, directly impacting the lives of individuals and the success of local businesses within the Akure community. Your daily activities will span across meticulously reviewing loan applications, conducting thorough financial analyses, assessing risk factors, and making informed recommendations to the credit committee. This role demands a keen eye for detail, exceptional analytical capabilities, and a deep understanding of financial statements, market trends, and economic indicators specific to the Ondo State region.
Beyond the numbers, this position requires strong interpersonal skills to build rapport with clients, explain complex financial terms clearly, and guide them through the lending process. You will serve as a trusted advisor, helping clients achieve their financial goals responsibly while safeguarding the interests of the institution. Our partner firm is committed to fostering a supportive and dynamic work environment where continuous learning and professional development are encouraged. You will have opportunities to expand your expertise in various aspects of credit management, risk assessment, and financial advisory services. Join us in shaping the financial landscape of Akure, contributing to sustainable development, and empowering our community through prudent and accessible financial solutions. We are looking for an individual who is not just seeking a job, but a meaningful career where their contributions make a tangible difference.
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Key Responsibilities
- Conduct comprehensive financial analysis of loan applications, including cash flow projections, collateral valuation, and income verification.
- Assess credit risk and make informed recommendations on loan approvals, denials, or modifications in line with established credit policies.
- Monitor existing loan portfolios to identify potential risks, ensuring timely repayments and adherence to loan covenants.
- Prepare detailed credit reports and presentations for review by the credit committee and management.
- Engage with clients to gather necessary financial documentation, explain loan terms, and provide financial guidance.
- Stay updated on market trends, economic conditions, and regulatory changes impacting the credit industry in Nigeria, particularly Akure.
- Collaborate with sales and recovery teams to ensure a seamless client experience and effective loan management.
Required Skills
- Proficiency in financial analysis and statement interpretation
- Strong understanding of credit risk assessment principles
- Excellent analytical and problem-solving skills
- High level of integrity and ethical conduct
- Effective written and verbal communication skills
- Ability to work independently and as part of a team
- Proficiency in Microsoft Office Suite, especially Excel
Preferred Qualifications
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field
- Professional certification in banking or finance (e.g., ACIB, CFA Level I) is a plus
- Knowledge of local Akure and Ondo State business environment and market dynamics
- Experience with credit management software or core banking applications
Perks & Benefits
- Competitive salary and performance bonuses
- Health and wellness benefits
- Opportunities for professional development and career growth
- Supportive and collaborative work environment
- Contribution to local economic development
How to Apply
Interested candidates are encouraged to submit their resume and a cover letter detailing their relevant experience and qualifications. Please click on the link below to apply for the job.
