Onsite Field Credit Specialist — Grow & Assess SMB Loans

Moniepoint Inc.; Three Rivers Township (SD); On-site; USD 55,000 - 90,000; Full time

Job summary

Moniepoint Inc. is seeking a Field Credit Officer to onboard and manage businesses accessing our credit products. You will grow the loan portfolio while maintaining profitability by ensuring timely repayment and thorough credit assessments based on the 5 Cs: capacity, character, and capital.

The role requires field visits, rigorous data analysis, and collaboration with management to optimize credit decisions and monitor performance over the loan lifecycle.

Qualifications

• OND in business-related discipline is required.
• Minimum 2 years’ experience in a sales role for credit products in a financial institution.
• Demonstrable knowledge of credit risk analysis.
• Good knowledge of financial analysis is an added advantage.

Responsibilities

• Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint.
• Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit.
• Review and approve (or decline) loan requests by thoroughly analyzing all the data available.
• Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration.
• Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing.
• Monitor active loan portfolio to ensure continued use of business account and loan repayment performance.
• Perform all other credit-related functions as may be assigned by a supervisor.

Skills

Attention to detail

Analytical skills

Communication & presentation

Agility & perseverance

Education

OND in business-related discipline

Job description

Moniepoint Inc. is seeking a Field Credit Officer to onboard and manage businesses accessing our credit products. You will grow the loan portfolio while maintaining profitability by ensuring timely repayment and thorough credit assessments based on the 5 Cs: capacity, character, and capital.

The role requires field visits, rigorous data analysis, and collaboration with management to optimize credit decisions and monitor performance over the loan lifecycle.