ENTOURAGE INTEGRATED TRUST LIMITED is seeking a CREDIT OFFICER to evaluate clients’ creditworthiness and manage lending processes in ABEOKUTA, GUN STATE.
ASERO
OBANTOKO
SHOMORIN
ELEGA
IJAIYE
ITA OSHIN
ODO ERAN
This position encompasses the preparation of loan applications, assessment of clients’ financial data, and computation of risk ratios. Proficiency in lending protocols and prior customer service involvement are essential for excelling in this role.
You will play a key role in facilitating timely loan acquisitions for our clients while ensuring full compliance with all stipulated requirements.
Develops and implements strategic plans to enhance operational efficiency and drive organizational growth. Collaborates with cross-functional teams to identify opportunities for process improvements and cost reductions. Leads initiatives to optimize resource allocation and ensure alignment with business objectives. Oversees project execution, monitors progress against established milestones, and reports on key performance indicators to senior leadership. Provides mentorship and guidance to team members to foster professional development and high-performance standards. Maintains compliance with regulatory requirements and industry best practices while promoting a culture of accountability and continuous improvement.
Evaluate loan applications to assess eligibility and compliance with lending criteria. Analyze financial documents, credit reports, and borrower credentials to determine risk levels and approve or reject requests accordingly. Ensure adherence to regulatory standards and institutional policies throughout the review process. Collaborate with underwriting teams and other stakeholders to gather additional information when necessary. Maintain meticulous records of decisions and provide clear explanations for any denials to applicants.
Evaluate clients’ financial circumstances to gain a comprehensive understanding of their fiscal standing and capabilities.
Assess the financial reliability and potential risks associated with applicants or clients to determine their creditworthiness.
To collect financial data and documentation, engage with clients through direct communication channels, ensuring all necessary information is accurately obtained and compiled for further processing.
Analyze and evaluate potential risks associated with loan applications, then make determinations to either endorse or decline requests based on established criteria.
Set up payment plans
Accurate and up-to-date documentation of loan applications must be consistently maintained to ensure compliance and efficiency in processing.
Ensure timely and thorough follow-up communications with clients regarding the renewal of their loans to maintain strong relationships and facilitate smooth transaction processes.
Track the ongoing status of current loan portfolios to ensure timely repayments and identify potential risks.
Collect repayments on a daily and weekly basis to ensure timely receipt of funds.
We seek a candidate with a minimum of five years of experience in a related field, demonstrating expertise in project management, analytical problem-solving, and strong interpersonal communication. The ideal applicant will possess a Bachelor’s degree in a relevant discipline, preferably supplemented by professional certifications such as PMP or Six Sigma. Proficiency in industry-standard software tools, including but not limited to Microsoft Project, Excel, and Power BI, is essential. Exceptional organizational skills, meticulous attention to detail, and the ability to work under tight deadlines are required. Additionally, familiarity with agile methodologies and prior experience in a leadership role will be highly advantageous.
Experienced professionals with a strong background in credit assessment, loan processing, or comparable responsibilities are encouraged to apply.
Proven expertise in lending processes and financial products is required, with practical, firsthand experience in their application and management.
Proficiency in developing and managing financial spreadsheets is required.
Analytical skills of a high standard are essential for this position.
Seasoned professionals with exceptional verbal and written communication abilities, coupled with strong interpersonal prowess, are encouraged to apply. Interacting effectively with diverse stakeholders and fostering collaborative relationships are essential aspects of this role.
Seasoned professionals with a strong background in customer-facing roles are invited to apply. Proven expertise in handling inquiries, resolving issues efficiently, and delivering exceptional service is essential. Candidates should demonstrate a deep understanding of client needs and a commitment to maintaining high satisfaction levels. Strong communication skills and the ability to manage multiple priorities in a fast-paced environment are required. Prior experience in a customer service capacity is mandatory.
A Bachelor’s degree or equivalent qualification in Banking and Finance, Economics, or a related discipline is required.
BENEFITS: We provide a comprehensive benefits package, including health, dental, and vision insurance coverage, a 401(k) retirement plan with company matching, paid time off and holidays, professional development opportunities, and a supportive, collaborative work environment.
The annual compensation for this position commences at $104,000, with potential for advancement based on performance and tenure.
We offer a monthly incentive to eligible employees, providing additional compensation based on performance metrics. To qualify for this opportunity, candidates must meet specific performance benchmarks and maintain consistent attendance. The incentive is designed to recognize and reward outstanding contributions, driving motivation and productivity across the team. Regular evaluations will be conducted to assess eligibility, ensuring transparency and fairness in the selection process.
Responsible for administering and managing employee pension plans, ensuring compliance with regulatory requirements and company policies. Oversees the calculation and disbursement of retirement benefits, maintains accurate records of contributions, and handles inquiries related to pension eligibility and payouts. Collaborates with HR, finance, and external pension providers to streamline processes and resolve discrepancies. Monitors plan performance, reviews investment strategies, and provides reports to stakeholders on pension fund status. Requires strong analytical skills, attention to detail, and proficiency in pension administration software. Familiarity with pension regulations, tax laws, and retirement planning principles is essential.
We distribute profits to employees on a semi-annual basis, ensuring financial rewards align with company performance. Eligibility for participation in this program requires a minimum six-month tenure with the organization. Employees must maintain active employment status at the time of payout to qualify for disbursement. The allocation methodology considers individual contributions, role performance, and overall company profitability metrics. This initiative aims to foster employee engagement, incentivize high performance, and reinforce a culture of shared success.
HMO
Flexible working hours are available from 11:00 AM to 6:00 PM.
Conduct an annual performance evaluation to assess employee contributions, strengths, and areas for development, providing constructive feedback and setting measurable objectives for the next review cycle.
Salary review based on performance
Interested and qualified candidates should forward their CV to career@entourageloans.com / career.entourageint@gmail.com using the position and location as the subject of the email. E.g., CREDIT OFFICER/ASERO
Qualifications
BA/BSc/HND , NCE , OND
Experience Required
0 - 3 years
