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Job Summary:

As a Credit Officer with 3-5 years of experience, this position plays a critical role in managing and facilitating the credit process within our organization. The ideal candidate should possess a valid driver’s license and a riding license, as occasional travel and on-site client visits may be required. This role involves assessing creditworthiness, Collection of monthly repayments from Farmers, and ensuring compliance with Homebiogas credit Policy policies and regulations.

Key Responsibilities:

• Credit Analysis: Conduct in-depth analysis of loan payments, approve credit checks for new farmers, and determine the suitability of applicants for payment plans.
• Client Relations: Develop and maintain positive relationships with Farmers, providing guidance, answering queries, and ensuring a high level of customer satisfaction.
• Documentation: Ensure all required documentation, including Contract addendums and credit reports, are complete and accurate.
• Risk Management: Monitor existing loan portfolios to identify and mitigate potential risks and recommend appropriate actions.
• Compliance: Stay up to date with industry regulations and internal policies, ensuring all credit activities comply with legal and organizational standards.
• Report Generation: Prepare and submit Weekly reports on credit activities, including portfolio performance and potential areas for improvement.
• Collection: Oversee the collection process, coordinating with borrowers to ensure timely repayment of loans.
• Field Visits: Conduct on-site farmers visits to push for delayed payments.

Requirements

• Bachelor’s degree in finance, economics, or a related field.
• 3-5 years of experience in Credit Control, Finance Operations, Account Receivables.
• Valid driver’s license and riding license.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal abilities.
• Proficiency in financial analysis tools and software.
• Knowledge of credit risk assessment and underwriting principles.
• Attention to detail and a strong commitment to compliance.