Credit Officer (Loan Origination and Recovery)

About the role

Flexlend is hiring a full-time Credit Officer (loan officer) in Lagos, Nigeria, reporting to the Managing Director. The role covers originating, appraising, processing, recommending, disbursing, monitoring and recovering loans in line with the organisation's credit policy, risk appetite, lending procedures and regulatory requirements.

Key responsibilities

• Originate and develop individual and corporate borrowers, explain loan terms and meet origination and portfolio quality targets
• Assess creditworthiness through financial statements, bank statements, cash flow and credit bureau reports, and prepare credit appraisal reports
• Prepare loan documentation, confirm pre-disbursement conditions and verify that proceeds go to the approved beneficiary
• Monitor loan accounts, identify early warning signs and recommend restructuring or recovery escalation
• Manage delinquency through follow-ups, collection visits and recovery strategies, working with the Recovery, Legal and Credit Risk teams
• Ensure compliance with KYC, AML/CFT and data protection rules, and prepare periodic reports on loans, collections and portfolio quality
• Handle customer enquiries and complaints professionally

Required profile

• Bachelor's degree in Banking and Finance, Accounting, Economics, Business Administration or a related field
• Relevant professional qualification in banking, credit management, accounting or risk management is an advantage; training in credit analysis, financial statement analysis, loan recovery or AML/CFT is desirable
• 2-5 years of experience in lending, credit analysis, loan administration, microfinance, commercial banking or credit recovery
• Demonstrated experience in loan origination, borrower assessment, credit documentation and portfolio monitoring

Required skills

• Proficiency in Microsoft Excel, Word and PowerPoint
• Experience with loan management software, credit monitoring tools and management reporting systems
• Knowledge of delinquency management and loan recovery processes