Citygate Consumer Credits (3C) Vacancies in Lagos and Ibadan

Citygate Consumer Credits (3C) is a product of Citygate Global, a registered money lending company with Head Office in Lagos. The product was designed to take care of personal need of professionals (salary earners) and small scale businesses especially those that lack access to credit facilities from our financial institutions.
Citygate Consumer Credits (3C) is recruiting to fill the positions of:


Job Title: Recovery Officer
Location: Lagos
Job Description

• Create a recovery management environment of an acceptable quality in terms of established credit guidelines
• Interact with customer to obtain additional credit information
• Check for credit viability on request for extended terms and evaluate various adjustment
• Maintain bad debt recovery records
• Negotiate payment programs with delinquent customers
• Monitor violations of credit policies, provide analysis conclusion and recommendation
• Tracking of various stages of cumulative loan outstanding and alerting management of the required step that must be taken to ensure full recovery in line with our recovery process
• Loan /remedial management that is factoring in the interest till date and restructuring plan
• Spooling of recovery report on Bankone software
• Generating the outstanding for Non-performing loan through the software
• Work with Relationship Manager during transition to recovery to gain in sight in the history of the loan
• Actively monitor the financial performance of all loan within the officer assigned portfolio
• Work with the legal and remedial team at the head office throughout the legal process and provided direction as required
• Conduct credit check on customers

• Must have at least 2 years’ experience in related functions.
• Evidence of professional qualifications will be an added advantage
• University Degree in a related subject.
• Problem solving and good negotiation skills is required

• He/She will supervise maximum of 4 Loan Officers that will cover the business of their environment,
• Get detailed report from Loan Officers on customer’s group meeting on a regular basis and report directly to the Area Manager
• Responsible for Managing ,staffing and scheduling all directs report of the branch to the Area Manager
• Accountable for driving new client acquisition and retention, growing market share
• To ensure that branch operations are effective and compliance requirement are met
• Responsible for branch operations and compliance by providing direction and guidance to branch staff on operational /regulatory procedures
• Allocating marketing areas of coverage to Loan Officer
• Monitoring Loan Officer performance on a weekly basis based on set target
• Deposit mobilization and account opening
• Marketing of Bank’s products and services
• Monitor/supervise Micro loan Field Officers to ensure compliance with policy/processes
• Verification of group loan customers and addresses
• Identify areas of need and advice management of possible solutions

• Must have at least 4 years’ microfinance experience in related job functions.
• Evidence of professional qualifications will be an added advantage
• University Degree in a related subject.