Current Openings at Kloverharris Limited

Kloverharris Limited is a Human resource/IT Consulting company that provides high quality services to businesses across Africa. We pride ourselves in how well we assist organizations overcome challenges that bother on optimal performance by proffering a wide array of solutions through the use of deep IT expertise, industry- wide expertise and highly proficient tools. We are recruiting to fill the vacant position below:     Job Title: Credit Officer Location: Lagos Duties and Responsibilities

• Review loan applications to ascertain creditworthiness of the client
• Contact clients to gather financial data and documentation
• Analyse risks and approve or reject loan requests
• Calculate financial ratios (e.g. credit scores and interest rates)
• Set up payment plans
• Maintain updated records of loan applications
• Monitoring the loan portfolios and followed up on repayment
• Monitors progress of existing loans.
• Rendering sound financial advice to clients.
• Conducting qualitative credit appraisal of the client’s business and financial status.
• Ensure credits are packaged within policies and procedures of the bank.
• Sourcing of new RQR via direct marketing
• Pro-active recovery of loans in overdue
• Assuring long term relationship through high customer’s satisfaction, reaching a high ration of a revolving customer.
• Booking/ executing of transactions
• Securing deals
• Performing of any other marketing functions as may be assigned.

• Proven work experience as a Credit Officer, Loan Officer or similar role for 6 years
• Hands-on experience with lending procedures and products
• Ability to create and process financial spreadsheets
• Strong analytical skills
• Customer service experience
• B.Sc in Banking and Finance, Economics or related field

• Deliver timely, cost-effective and compelling lease proposals and finance solutions uniquely structured for financing transactions for all clients
• Deeply understand prospects' business and industry;
• Initiate and conduct meetings with both internal and external clients as may be required to facilitate new engagements.
• Engage in marketing campaigns and on-campus events.
• Develop and follow-up with potential accounts.
• Monitor leasing administration.
• Manage daily and weekly marketing and leasing reports.
• Draft a comprehensive marketing and leasing plan
• Use social media to enhance exposure, develop client loyalty and improve brand awareness.
• Gain comprehensive knowledge of assigned properties on vacancies, major tenants, and small tenancy and lease expirations.
• Draft proposals, lease offers and documents
• Present marketing letters and documents to potential tenants.
• Meet clients to encourage leasing relations.
• Represent clients to parties within an organization
• To conduct all kinds of necessary process and documents throughout sales process; make a quotation, confirm pricing, closing the deal, arrangement for Purchase Order /agreement issuing process, acquire company document for a customer, get customer sign in the contract.
• To write-up a basic analysis of customer financial status and repayment ability from financial statements, financial ratio, bank statements, etc.
• To coordinate with related departments; Business support, Credit Admin, Accounting, etc. to complete whole transaction sales flow.
• To co-work with Collection team to follow-up overdue customer and involve for debt recovery plan/repossess arrangement

• Must be a Female
• Candidates should possess B.Sc. degree
• Must have 6 Years' experience
• Worked in leasing company like Aquilla C&I (added advantage)
• Experience in operation and consumer/finance lease.
• Ability to close sales deals
• Have a great client base.