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Credit Officer Job at Elegance Finance Ltd.

Job Summary

Credit Officer

We’re seeking  highly skilled Credit Officer to join our team! As a Credit Officer, you will be responsible for ensuring the smooth operation of our operations department by implementing proper control measures and adhering to set policies and procedures. Your goal will be to maintain a clean portfolio with a PAR of not more than 3% by conducting thorough loan appraisals in accordance with our set policies and procedures.

Key Responsibility Areas:

  • Assess clients’ qualifications for loans based on our credit policy manual
  • Interview clients to explain lending procedures and requirements
  • Prepare and submit required documents for loan processing to the credit committee
  • Advise clients on necessary documentation and ensure timely processing of loan applications
  • Conduct risk assessments to ensure optimal recovery of funds disbursed
  • Advise management on loan policy and procedure reviews
  • Stay up-to-date with new loan types, financial services, and products to meet clients’ needs
  •  Develop ongoing relationships with clients to achieve high customer loyalty and satisfaction
  • Handle customer complaints and resolve them appropriately
  • Ensure accurate and timely filing of credit and loan information
  •  Follow up on outstanding loans and provide regular reports to the credit administrator

Personal Specification:

  •  Bachelor’s degree in a business-related course (preferably business administration) from a reputable university
  • Fresh graduate
  • Must be able to ride a motorcycle and possess a valid riding license (or be willing to learn within the first month)
  • Fluent in commonly used local languages and willing to work in any of our branches
  •  Aged between 22 and 25 years old

Other Required Skills and Competencies:

  • Ability to plan, organize, and prioritize work
  • Self-driven and result-oriented
  •  Highest level of ethical behavior
  • Flexibility to adapt to changes in the work environment
  • Maintain confidentiality of sensitive information
  •  Neatness, punctuality, attention to detail, and accuracy
  • Basic computer skills (email, word processing, spreadsheets)
  •  Excellent interpersonal skills

How to Apply:

Interested candidates should submit their CV and cover letter via the link no later than Friday, July 5, 2024.



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