Field Credit Officer – Asset Finance at TeamAce Limited

Job Summary


The Field Credit Officer will be responsible for managing credit-related field activities, including customer engagement, loan monitoring, and recovery of delinquent accounts.
The role ensures effective loan performance, timely recovery of outstanding obligations, and compliance with the Bank's credit, recovery, and regulatory policies, while maintaining professional and ethical standards.


Key Responsibilities


Conduct field visits to customers for credit monitoring and recovery of delinquent loan accounts.
Engage customers professionally to assess repayment capacity and agree on feasible repayment plans.
Monitor loan accounts and follow up on repayment commitments to ensure compliance with agreed terms.
Accurately document all field activities, customer engagements, and outcomes on approved systems.
Identify high-risk and non-performing loan accounts and escalate in line with established procedures.
Ensure all credit and recovery activities comply with internal policies, CBN regulations, and applicable laws.
Collaborate with internal teams to achieve assigned credit and recovery targets.


Requirements


Bachelor's degree in Business Administration, Finance, Economics, or a related discipline.
Minimum of 1 - 2 years' experience in credit operations, loan recovery, or a similar role within a financial institution or Microfinance Bank.
Sound knowledge of credit administration and loan recovery processes.
Strong negotiation, communication, and interpersonal skills.
Ability to work independently, manage multiple accounts, and meet assigned targets.
Proficiency in basic computer applications and reporting tools.


Personal Attributes:


High level of professionalism, integrity, and confidentiality.
Results-driven with strong attention to detail.
Ability to work under pressure and within defined policies.
Good judgement and customer-focused approach.