Field Credit Officer (Enugu)

Who we areMoniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa. Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023, and currently processes the majority of the POS transactions in Nigeria. Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.JOB PURPOSEAs a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan. You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration. Job Responsibilities* Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint* Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit* Review and approve (or decline) loan requests by thoroughly analyzing all the data available* Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration* Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing* Monitor active loan portfolio to ensure continued use of business account and loan repayment performance* Perform all other credit related functions as may be assigned by a supervisorQualifications* A minimum of an OND in any business related discipline* A minimum of 2 years experience in a sales role for credit products in a financial institution* Demonstrable knowledge of credit risk analysis* A good knowledge of financial analysis is an added advantage* Must be resident in EnuguRelevant Skills* Apt attention to details* Proven simple/complex analytical skills* Excellent communication, presentation and interpersonal skills* Agility and perseverance