The Credit Officer (Sales) will identify and acquire SME clients, collect and evaluate loan applications, and coordinate with the credit team for approval and disbursement processes.

• Job Location: Lagos (Must reside around Mowe Ibaofu, Sango, Tolgato)
• Employment Type: Full-Time
• Salary: Not stated

Watershed Finance Limited is a financial institution focused on providing credit solutions to SMEs. The company is committed to supporting business growth through accessible and responsible lending.

• Identify and acquire potential SME clients through direct sales and channel partnerships.
• Collect loan applications and supporting documentation.
• Conduct preliminary evaluation of clients based on creditworthiness.
• Coordinate with the credit team for approval and disbursement processes.
• Maintain regular contacts with clients for servicing and cross-selling.
• Ensure compliance with KYC, AML, and internal policies.

• Bachelor's degree in Finance, Accounting, Economics, or a related field (Master's degree or professional certifications are added advantages).
• Minimum 2–5 years of experience as a credit analyst in microfinance institutions.
• Strong analytical and problem-solving skills.
• Ability to interpret and analyze credit bureau reports.
• Strong attention to detail and accuracy.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint).
• Experience with credit analysis software and databases is preferred.
• Ability to work independently and as part of a team.
• Applicant must reside around Mowe Ibaofu, Sango, Tolgato.

How to Apply:
Interested candidates should send a letter of intent and a detailed CV to hr@watershedcapitallimited.com with "Credit Officer (Sales) Application" as the subject. The employment is immediate.

Why this job might be a good fit:
This role is suitable for an experienced credit analyst with 2–5 years of experience in microfinance who enjoys sales and client acquisition. It offers the opportunity to work with a growing financial institution and contribute to SME growth, with a preference for candidates residing in the specified areas.

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