Head, Credit Admin/Marketing

Refuge Mortgage Bank Limited was incorporated in 1992 as a private limited liability company and licensed by the Central Bank of Nigeria to carry on Mortgage Banking activities. The bank commenced operations in 1993. In 2005, it was acquired by a new core investor who injected fresh capital into the bank. The bank is well capitalized beyond the mandatory level of the CBN.

We are recruiting to fill the position below:

Job Position: Head, Credit Admin/Marketing
Job Location: Lagos

Job Description

• Research and evaluate clients’ creditworthiness
• Create credit scoring models to predict risks
• Approve or reject loan requests, based on credibility and potential revenues and losses
• Calculate and set interest rates
• Negotiate loan terms with clients
• Monitor payments
• Maintain records of loan applications
• Follow up with clients to manage debt settlements and loan renewals
• Ensure all lending procedures comply with regulations
• Develop, review and update our company’s credit policies

Requirements/Skills

• Proven work experience as a Credit Manager, Credit Analyst or similar role in a commercial bank or Finance organisation
• Hands-on experience with accounting software
• Solid understanding of lending procedures
• Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel)
• Negotiation skills
• B.Sc in Accounting, Economics, Banking and Finance or relevant field