Job Summary

Credit officers evaluate, appraise, process and make recommendations for approval/denial of loan applications.

  • Minimum Qualification: Degree
  • Experience Level: Mid level
  • Experience Length: 3 years

Job Description

Department: Credit


Reports directly To: General Manager/credit manager



Credit officer is expected to:

  • Act as a liaison between the bank and clients
  • Manage and expand the banks credit portfolio
  • Assessment and appraisal of loan applications (conducting onsite visits and carry out credit investigation to determine feasibility eg. Credit bureau checks)
  • Market the company’s credit products to prospective customers as well as source for loans
  • Monitoring of disbursed facilities to ensure timely loan repayment
  • Registration and monitoring of collateral securities on the collateral registry platform.
  • Conduct research on modern credit activities to be abreast with evolving industry trends
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Disburse facilities and liaise with recovery officers for effective recovery
  • Prepare demand notices to delinquent loan clients and forward irreconcilable accounts for collective action.
  • Ensure processing and insurance fees are being deposited in loan accounts before disbursement and clients must go to the teller to withdraw loans disbursed by themselves.
  • Validate customer documents to ensure that they are authentic and reliable
  • Handle customer complaints and take appropriate action to resolve them.
  • Review, complete and update credit files(application letter, loan forms, credit bureau check, accounts statements, write up, loan approval letters, security and other supporting documents)
  • Prepare weekly, monthly, quarterly and annual credit performance reports for management and board levels
  • Preparation of reports on delinquent loan clients and serving of demand notice.
  • Daily monitoring of loans
  • Maintain confidentiality and observe data protection and associated guidelines where appropriate.
  • Ensure compliance with the KYC
  • Any other duties assigned by management


Tools and Equipment Handled

  • Uses calculator, company phones and computer
  • Printer and scanner
  • Credit department stamp
  • Use of Company vehicle when necessary


Materials Handled

  • Loan files and supporting documents


Work Environment

  • Field and normal office environment


Occupational Hazards

  • Verbal and physical abuse
  • Loss of clients sensitive documents


Position Type/Expected Hours of Work

  • Standard days and hours of work are Monday through Friday, 8:30 a.m. to 5 p.m. 


Competencies Educational

  • University Degree in accounting, economics, mathematics
  • College diploma or any certificate in banking and finance from recognized institution (CIB, NIB)
  • Minimum 3 years experience in credit


Other Competencies

  • Must understand and agree with WML Mission, Vision and core values
  • Strong numerical ability
  • Good listening and communication skills
  • Customer service orientation
  • Accuracy and attention to detail
  • Time management
  • Problem solving
  • Honesty and integrity
  • Teamwork
  • Stress tolerance.
  • Demonstrate high level of ethical commitment and trustworthiness




Interested and Qualified Person's should send CV's To [email protected]

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