Pennylender
Job Title: Proof of Fund Sales Officer
Location: Yaba, Lagos
Department: Credit
Employment Type: Full-Time
Job Summary:
We are seeking a detail-oriented , experienced and proactive Credit Officer to evaluate loan applications, assess creditworthiness, monitor loan performance, and manage customer relationships. The ideal candidate will ensure that credit is issued in line with company policy, risk appetite, and regulatory standards, while supporting portfolio growth and asset quality.
Key Responsibilities:
- Review and assess credit applications from individuals or businesses.
- Conduct creditworthiness evaluations using financial analysis, collateral reviews, and background checks.
- Recommend loan approvals or rejections in line with risk guidelines.
- Monitor and follow up on approved loans to ensure timely repayment.
- Maintain proper documentation and update customer records on the credit management system.
- Work with collections or recovery teams to manage delinquent accounts.
- Ensure compliance with internal credit policies, procedures, and regulatory requirements.
- Provide support and education to clients on credit terms and obligations.
- Prepare and submit periodic reports on loan performance and credit quality.
- Identify risks and propose mitigating measures where necessary.
Requirements:
- Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field.
- 2–3 years of experience in credit analysis, lending, or financial services.
- Strong understanding of credit risk assessment and loan processing procedures.
- Good knowledge of credit-related regulations and compliance standards.
- Strong interpersonal and communication skills.
- Attention to detail and ability to make objective, data-driven decisions.
- Proficiency in Microsoft Office and credit analysis tools.
Preferred Qualifications:
- Experience in microfinance, SME lending, or retail credit.
- Certification in Credit Risk Management or related fields is a plus.
- Familiarity with loan tracking or banking software.
What We Offer:
- Competitive salary and benefits
- Professional development and training opportunities
- A collaborative and supportive team environment
- Growth potential in a performance-driven organization
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