Credit Officer (Financial Services Company/Fintech) at Stresert Services Limited

This position offers a great opportunity for career growth. REF NO: COFT-25 Job Grade: Assistant Manager Cadre Reporting Line: Reports directly to the Credit Team Lead Role Overview

• The Credit Officer is responsible for generating, appraising, and managing credit transactions within the assigned portfolio segment under the supervision of the Credit Team Lead.

• The role focuses on business generation, credit structuring, risk evaluation, and relationship management, ensuring that all transactions conform to the Finance Company Limited’s risk appetite, compliance standards, and business objectives.

• Credit Officers will serve as the operational front line of the Company’s loan generation and client engagement efforts, directly driving revenue through quality onboarding, disciplined credit evaluation, and sustained client relationships.

Key Responsibilities Business Development and Client Acquisition

• Identify and engage viable clients within assigned sectors (Retail, SME, Corporate, or Value Chain).

• Generate loan opportunities and structured financing requests that align with departmental and company objectives.

• Maintain direct contact with prospective and existing clients to deepen relationships and expand business volumes.

• Participate in field marketing campaigns, trade visits, and product activations coordinated by the Credit and Marketing Department.

• Provide business referrals for investment placements and deposit mobilization to the Treasury and Financial Services Department.

Credit Structuring and Appraisal

• Conduct detailed credit appraisals of prospective clients, including cash flow analysis, collateral evaluation, and repayment capacity assessment.

• Prepare qualitative and well-documented Credit Appraisal Memoranda (CAM) and other supporting documentation for internal review and approval.

• Ensure all submissions adhere to internal credit policy, regulatory guidelines, and compliance requirements.

• Recommend appropriate credit structures, tenors, and risk mitigants that align with client needs and company objectives.

• Liaise with the Risk Management and Legal departments for collateral validation, insurance documentation, and loan perfection.

Portfolio Management and Recovery Oversight

• Monitor approved facilities for performance, ensuring adherence to repayment schedules and covenant terms.

• Provide early-warning signals for delinquent accounts and initiate prompt follow-up actions.

• Participate in recovery drives and client engagement sessions to minimize portfolio at risk (PAR) and ensure healthy asset quality.

• Maintain accurate client records, collateral registers, and repayment tracking reports.