Job Title: Credit & Loans Officer
Company: XNet Security Technologies Limited
Job Type: Full Time
Qualification: BA/BSc/HND
Location: Lagos, Nigeria
Job Field: Finance / Accounting / Audit
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XNet Security Technologies Limited is an innovative & dynamic company that evolved from a team of dedicated professionals based in Europe and Nigeria. Established since 2003, we are currently Nigeria's largest vehicle tracking company, with over 50 fully qualified installation and recovery engineers nationwide.
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Job Descriptions:
- We are a top notch micro financial institution, seeking to employ the services of young target driven and goal oriented individuals, for immediate employment in our Credit and Loans department.
- The primary function of a Credit Officer is to identify new customers, appraise and access project applications, prepare assessments and recommendations for approval and educate borrowers as to their responsibilities in the repayment of a loan granted to them.
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Responsibilitiess:
- Receive loan applications from potential customers and access customer's application.
- To Interview applicants and to clearly explain the lending procedures and requirements of the institution to potential customers.
- Carry out effective KYC (Know Your Customer) exercises by visiting the business premises and residences of applicants to appraise the financial situation of the business or individual
- To advise customers concerning necessary document and financial reports required by us to process their loan applications.
- Process customers application and prepare a credit appraisal memorandum for submission to your unit head.
- Ensure that all required documents security documents, loan contract etc are complete and signed by the customer.
- Follow up on all loans outstanding that he or she is responsible for. This includes a regular supervision of all outstanding loans to ensure proper utilization of loan funds as well as recovery.
- Ensure strict and continuous follow up of his/her outstanding portfolio by checking the up dated arrears list.
- To ensure that all securities are safe guarded and to keep a security register for all types of loan / advances
- Ensure that all types of securities fixed deposits, cash lien etc are being maintained and kept up to date.
- Review periodically bad and doubtful accounts for chances of recovery
- Evaluate loans and customers after payment
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Qualification and Requirements:
- Minimum of B.Sc degree or HND in any relevant field
- 1-3 years experience in a similar role
- Organized, focused, self driven and result oriented and willing to go the extra mile
- Excellent oral and written communication skills
- Ability to work under little or no supervision
- Proficient in computer and Information technology.
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