Credit Officer

About the Role

Bosak Microfinance Bank Limited was incorporated in December 2009 with the core business objective of providing accessible financial services to micro-clients who are traditionally excluded from the mainstream financial system. We are currently expanding our operations and looking for a dynamic, field-driven Credit Officer to join our professional team in Lagos and Ogun State.

• Conduct field marketing and acquire prospective customers within the assigned territory.
• Market and promote the Bank’s diverse loan and financial products.
• Onboard new customers and build strong, lasting customer relationships.
• Conduct pre-loan training and customer orientation sessions.
• Assist customers with account opening and loan application documentation.
• Ensure accurate completion and prompt submission of all loan paperwork.
• Monitor customer loan accounts and ensure timely weekly repayments.
• Follow up proactively on overdue and defaulting customers.
• Support loan recovery activities on delinquent accounts.
• Deliver customers’ passbooks and ID cards as required.
• Provide appropriate financial advisory support to empower customers.
• Maintain accurate customer and loan records.
• Achieve assigned loan disbursement and portfolio targets.
• Ensure strict compliance with the Bank’s policies, procedures, and operational requirements.

• Minimum of an OND, HND, or Bachelor’s degree in any relevant discipline.
• Good communication and interpersonal skills.
• Strong customer service and relationship management abilities.
• Ability to work independently and aggressively engage customers in the field.
• Target-driven and results-oriented mindset.
• Willingness and stamina to thrive in a field-based environment.
• Proximity to preferred areas: Yaba, Shomolu, Bariga, Okokomaiko, Igbolerin, Oko-Afo, Alagbole, Lambe, Ojota, or Ketu.

• Competitive salary package with attractive performance-based incentives.
• Deployment to a branch within reasonable proximity to your residential area.
• Opportunities for professional growth and career advancement within the microfinance sector.
• Comprehensive training and continuous support from an experienced management team.

Skills