Client Relationship Officer- Entry Level

About the Role

We invite applications from suitably qualified candidates for the position of Client Relationship Officer at Voedsel Capital Limited in Lagos, Nigeria.

Key Responsibilities

• Lead high-impact sales initiatives by identifying prospective clients, offering loans and financial solutions, and achieving monthly loan and Proof of Funds disbursement targets
• Undertake credit assessment and prepare appraisal reports in accordance with prescribed guidelines, including desk reviews and onsite due diligence
• Make credit recommendations to the Credit & Business Development Manager based on thorough analysis
• Analyze financial data to assess creditworthiness and maintain comprehensive documentation of all credit cases progressed for approval
• Capture KYC data and financial information into the institutional Credit management system
• Undertake portfolio management to identify default triggers, assess loan penalties, and implement measures to mitigate portfolio risk
• Initiate collection mechanisms and business recovery procedures in accordance with company policy
• Provide financial advice to clients to support their business and credit needs
• Prepare credit facility offer letters outlining terms, conditions, and covenants for managerial review
• Identify and document innovative approaches to improve business processes within the Credit and Business Development Department
• Collaborate with cross-functional teams to develop proposals and effective market strategies
• Perform additional duties as assigned by line management

Requirements

• Bachelor's degree in Business, Economics, Finance, Accounting, or equivalent field
• 1-2 years of experience in banking, finance, or investment sector as a Credit Officer or direct sales agent
• Robust knowledge of small business financing
• Proven ability to achieve sales and revenue targets
• Excellent communication and presentation skills with outstanding reporting capabilities
• Proficiency in Microsoft Office applications (Word, Excel, etc.) and financial analysis tools
• Completion of NYSC (National Youth Service Corps)