Job Title: Credit Officer
Company: Spectrum Credit Limited
Location: Spectrum Credit Ltd HQ
Job Type: Full-time
About Spectrum Credit Limited:
Spectrum Credit Limited is a leading financial services provider dedicated to offering flexible credit solutions to individuals and businesses. We are committed to maintaining high standards of service, providing our clients with personalised financial solutions, and ensuring sustainable growth. We are looking for a highly motivated and dedicated Credit Officer to join our dynamic team.
Position Overview:
The Credit Officer will be responsible for managing the credit process, including assessing creditworthiness, approving loans, and ensuring that financial risks are minimized. This individual will also ensure compliance with company policies and relevant regulations while fostering strong relationships with clients.
Key Responsibilities:
– Evaluate credit applications and assess financial risk by reviewing applicants’ financial information.
– Conduct credit checks and verify the creditworthiness of individuals and businesses.
– Approve or decline credit requests in line with company policies and risk tolerance.
– Work closely with customers to provide appropriate credit terms and payment solutions.
– Monitor and manage the performance of credit accounts, ensuring timely repayments.
– Prepare reports on credit activity, including outstanding balances and risk analysis.
– Stay informed about industry trends, regulations, and changes that may affect credit risk.
– Collaborate with sales and customer service teams to resolve credit-related issues.
Qualifications:
– Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
– Proven experience as a Credit Officer or in a similar role (2+ years preferred).
– Strong understanding of credit policies, financial statements, and risk management.
– Excellent analytical skills with the ability to assess financial data and make informed decisions.
– Strong communication skills, with the ability to interact effectively with clients and colleagues.
– Proficiency in MS Office; experience with credit management software is a plus.
– Detail-oriented, organized, and able to work independently in a fast-paced environment.
Personal Attributes:
– Ability to work under pressure and meet deadlines.
– High ethical standards and attention to confidentiality.
– Strong problem-solving and decision-making skills.
– A customer-focused approach with a strong commitment to quality service.
Why Join Spectrum Credit Limited?
– Competitive salary and benefits package.
– Opportunities for career growth and professional development.
– A collaborative and supportive work environment.
– Work with a reputable company in the financial services sector.
Interested candidates are invited to send their resumes and cover letters to apply@jobsportal-career.com with the subject line “Credit Officer Application – [Your Name]”. Applications will be accepted until 28th December 2024.
