Credit Officer

Credit Officer

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Location

Calabar, Cross River, Nigeria

Salary

NGN 112,000 monthly

Employment Type

Full-time

Work Arrangement

On-site

Sector

Finance & Banking

Experience Level

Junior (1-3 years)

Application Deadline

October 25, 2026

About the Company

Entourage Integrated Trust Limited is a prominent financial firm established on July 16, 2014. The company specializes in microfinance, corporate loans, and investments, demonstrating a significant reach with branches operating across 33 states and the Federal Capital Territory (FCT) in Nigeria.

Their commitment to financial inclusion and business growth is evident through their diverse lending services. Entourage Integrated Trust Limited aims to empower individuals and businesses by providing accessible financial solutions and fostering economic development.

Job Description

Entourage Integrated Trust Limited is seeking a dedicated Credit Officer to join their team in Calabar, Cross River State.

This full-time role involves assessing clients' creditworthiness, evaluating financial information, processing loan applications, and monitoring repayments to facilitate lending operations. The ideal candidate will possess a strong understanding of lending procedures and customer service experience.

Required Skills

• Credit Assessment
• Loan Processing
• Financial Analysis
• Risk Evaluation
• Customer Service
• Loan Monitoring
• Repayment Collection

Key Responsibilities

• Review loan requests.
• Assess clients’ financial status.
• Evaluate creditworthiness and lending risks.
• Contact clients to gather financial data and documentation.
• Analyse risks and approve or reject loan requests.
• Set up payment plans.
• Maintain updated records of loan applications.
• Follow up with clients regarding loan renewals.
• Monitor the progress of existing loans.
• Carry out daily and weekly repayment collection.

Qualifications

• NCE, OND, HND or BSc in Banking and Finance, Economics or a related field.

• Proven work experience as a Credit Officer, Loan Officer or in a similar role.

• Hands-on experience with lending procedures and products.

• Ability to create and process financial spreadsheets.

• Strong analytical skills.

• Excellent communication and interpersonal skills.

• Customer service experience.

• Benefits & Perks

• Monthly incentives.

• Pension.

• Bi-annual profit sharing.

• Health Maintenance Organisation (HMO) coverage.

• Flexible working hours: 11:00 a.m. – 6:00 p.m.

• Yearly performance appraisal.

• Salary review based on performance.

• About This Role

• The Nigerian microfinance and investment sector is experiencing robust growth, necessitating skilled professionals to manage financial risk. This Credit Officer position is crucial for facilitating lending operations by meticulously assessing client creditworthiness, analyzing financial data, and ensuring timely repayment. Expertise in lending procedures, risk assessment models, and financial statement analysis is key. The role's impact on the company's loan portfolio performance and financial stability underscores its importance in Entourage Integrated Trust Limited's expansion across numerous states.