Credit Officer at Elizabeth Maddeux

Role Summary

The Loan/Credit Officer (Sales-Focused) is responsible for driving loan product sales, acquiring new clients, and managing customer relationships to achieve revenue targets. The role requires proactive prospecting, effective sales conversion, and ensuring quality loan disbursement in line with the organization's credit policies.

Key Responsibilities

• Identify, prospect, and acquire new customers through field marketing, referrals, partnerships, and direct sales
• Promote and sell loan products to individuals, SMEs, and corporate clients to achieve monthly and quarterly sales targets
• Conduct product presentations, cross-selling, and upselling of financial products to maximize revenue per client
• Develop and maintain strong relationships with clients to encourage repeat business and referrals
• Guide clients through loan application processes, ensuring completeness and accuracy of documentation
• Conduct preliminary assessments of client eligibility and submit loan applications for approval
• Ensure timely loan disbursement and follow up with clients on repayments to maintain portfolio quality
• Provide excellent customer service by addressing inquiries, resolving complaints, and supporting clients throughout the loan cycle
• Track, monitor, and report daily, weekly, and monthly sales performance against set targets
• Conduct market research to identify opportunities, competitor activities, and customer needs
• Provide insights and feedback to management on improving loan products and sales strategies

Key Performance Indicators (KPIs)

• Loan disbursement volumes and value achieved per month/quarter
• Number of new clients acquired and retained
• Loan portfolio quality (repayment rate and delinquency levels)
• Customer satisfaction and referrals generated

Qualifications & Skills

• Bachelor's degree in Business, Finance, Marketing, or related field
• Minimum 2 years of experience in credit, lending, or sales roles