Sales Associate Job at Credit Direct Limited

Credit Direct Limited is a leading innovation-driven financial services company based in Lagos, Nigeria with branches spread across the Country. We pioneered the unsecured micro-lending space in Nigeria and are positioned to be the dominant market leader in the Country and beyond.

Our services are hinged on a partnership with employers and our customers to provide friendly innovative loan and investment products while our various repayment options give our customers the freedom, flexibility, and confidence to enjoy their lives. Our services are trusted by over 300,000 active customers, the largest endorsement in the Nigerian public and private sectors; and this has inspired us to remain the leader in Nigeria’s micro-lending space. We pride ourselves with providing quick turnaround loans with little documentation, efficient processes and top-of-the-range customer service.

We are recruiting to fill the position below:

Job Position: Sales Associate

Job Location: Lagos
Employment Type: Full-time

Job Summary

• We are looking for a Sales Associate to evaluate, authorize approval or deny loan applications for people or for business.
• You will act as liaison between customers and our organization, and you will help qualified applicants acquire loans in a timely manner.

Job Responsibilities

• Evaluate credit worthiness by processing loan applications and documentation within specified limits
• Communicate with clients either to request or to provide information
• Justify decisions (approvals/rejections) and report on them
• Complete loan contracts and counsel clients on policies and restrictions
• Update job knowledge on types of loans and other financial services
• Maintain and update account records
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine all applicable ratios and metrics and set up debt payment plans
• Assess customer needs, explore all options, and introduce different types of loans
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
• Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout theunderwriting process
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines

Job Requirements

• B.Sc. Degree in Finance, Marketing, Economics, or a related field
• Proven working experience as a Loan Officer
• Solid understanding of direct/indirect lending products and practices
• Excellent communication and interpersonal skills
• Customer satisfaction orientation and sales competencies
• Familiarity with computers and banking applications/software
• Ability to work in a goal-oriented environment
• Excellent communication, influencing and negotiation skills

Person Specification

• Results-orientated and pragmatic with exceptional quantitative and analytical ability and attention to detail
• Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities
• High level of integrity and dependability with a strong sense of urgency.
• A focus on execution. Willing and able to get hands dirty.
• Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method and outcomes yourself
• Ability to create effective working partnerships with senior leaders, challenge the thinking of others in respectful and thoughtful ways, influence upwards.
• Big picture thinker, a “never settle’ mindset.