Credit Officer

Description

The Credit Officer at FFO Support Program plays a vital role in managing and assessing credit portfolios to ensure financial stability and growth. This position requires a focused professional with a minimum of three years of relevant experience, preferably within the microfinance industry. The successful candidate holds at least a Functional Area (FA) qualification and demonstrates strong analytical capabilities in evaluating creditworthiness and monitoring loan performance. The role emphasizes managing individual portfolios rather than leading a team, demanding attention to detail, sound judgment, and effective communication with clients and stakeholders to mitigate risks and optimize lending outcomes. In this role, the Credit Officer carries the responsibility of conducting thorough credit assessments, processing loan applications, and maintaining accurate documentation. Strong portfolio management skills are essential to monitor loan repayments and financial trends, ensuring compliance with regulatory standards and the organization’s policies. The officer collaborates with clients to resolve issues and provide guidance on credit products while supporting the program’s mission to deliver accessible financial services. This position demands a proactive approach to identifying potential risks and opportunities, contributing meaningfully to the overall financial health of the organization.

Responsibilities

• Evaluate and process loan applications by analyzing financial status, credit, and property evaluations to determine the feasibility of granting credit.
• Manage and monitor the credit portfolio to ensure timely repayment and to identify any signs of potential default or risk.
• Conduct site visits and maintain regular contact with clients to assess financial conditions and business operations.
• Prepare detailed credit reports and documentation in compliance with organizational policies and legal requirements.
• Maintain accurate records on all transactions related to loans to facilitate auditing and reporting activities.
• Collaborate with clients to address any issues related to credit terms, payment schedules, and loan conditions.
• Identify and escalate potential risks or delinquency cases to senior management for timely intervention.
• Support the development and implementation of credit policies and procedures to improve portfolio quality and operational efficiency.
• Assist in the preparation of financial forecasts and analyses related to credit portfolio performance.
• Participate in training and workshops to stay updated on industry trends, credit management practices, and regulatory changes.

Experience

2 Years

Apply By

Oct 9, 2026

Required Skills

• Portfolio Management
• Credit Analysis
• Risk Assessment
• Regulatory Compliance

Nice to Have Skills

• Financial Reporting
• Customer Relationship Management