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

Position Overview

This position offers an excellent opportunity for career growth within a financial services organization. As a Credit Officer, you will serve as an operational frontline professional responsible for generating, appraising, and managing credit transactions within your assigned portfolio segment.

You will focus on business generation, credit structuring, risk evaluation, and relationship management, ensuring all transactions conform to the company's risk appetite, compliance standards, and business objectives. This role directly drives revenue through quality client onboarding, disciplined credit evaluation, and sustained client relationships.

Position Details

• Reference Number: COFT-25
• Job Grade: Assistant Manager Cadre
• Reports to: Credit Team Lead
• Location: Lagos, Nigeria

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 supporting documentation for internal review and approval
• Ensure all submissions adhere to internal credit policy, regulatory guidelines, and compliance requirements
• Recommend appropriate credit structures and terms aligned with company standards