Job Description

• The Credit Review Officer is responsible for assessing, analysing, and validating loan requests to ensure compliance with the company’s credit policies and risk standards.
• The officer conducts thorough document reviews, evaluates customer creditworthiness, identifies potential risks, and ensures that only quality credit applications are recommended for approval.

Key Responsibilities

• Review all loan applications to ensure completeness and compliance with credit policy.
• Analyse borrower financials, cash flow, bank statements, and other supporting documents.
• Verify accuracy and authenticity of submitted documents such as offer letters, affidavits, valuation/Inspection reports, vehicle papers (VIN, engine number, registration documents)
• Evaluate collateral value, authenticity, and adequacy (vehicle).
• Ensure all credit reviews adhere to Voedsel Capital’s internal policies, regulatory standards, and industry best practices.
• Prepare comprehensive credit review reports for management/approval committees
• Work closely with Credit Relationship Officers, compliance and risk officers to balance growth with prudent risk management.

Qualifications / Requirements

• HND / B.Sc. in Finance, Economics, Accounting, Business Administration, or related field
• 2 – 3 years of experience in credit analysis, underwriting, or loan review (financial sector preferred)
• Knowledge of KYC, risk management, and collateral assessment
• Excellent quantitative and qualitative analysis skills with keen attention to detail..
• High ethical standards and sound judgment in credit decision making.