Credit Officer–Logbook Loans at Bayes

 The Credit Officer– Logbook Loans will be responsible for managing the end-to-end credit process for logbook loan applications, from assessing client eligibility to disbursing funds and ensuring compliance with company policies and regulations. This role involves conducting thorough credit assessments, evaluating collateral (logbooks), and managing customer relationships to ensure timely repayment and risk mitigation. This position plays a critical role in driving business growth by maintaining a balance between effective loan issuance and minimizing credit risk.

 Key Responsibilities:

• Business Development: Build and nurture relationships with potential customers to grow the company’s loan book by sourcing new logbook loan applications.
• LeadGeneration: Identify and generate leads for logbook loans through targeted marketing, networking, and outreach efforts.
• Self-Motivation&Deadlines: Demonstrate a proactive approach in driving sales and achieving targets, while adhering to deadlines and aligning with the company culture.
• CreditAppraisals&Reviews: Conduct comprehensive credit appraisals, perform financial analysis, and present findings to the credit committee for approval.
• Sales Strategy: Develop targeted sales plans, create lead lists, and execute activities to expand the customer base.
• Sales Execution: Conduct daily sales calls to prioritize leads, manage relationships, and successfully close loan deals.
• Compliance: Ensure that all loan applications meet the company’s credit policies and regulatory guidelines.
• Customer Relationship Management: Strengthen relationships with existing clients while developing new opportunities within the designated market segment to meet Asset-Based Finance targets.
• Process Improvement: Continuously evaluate business processes and suggest improvements to increase operational efficiency and effectiveness.

 Qualifications andSkillsRequirements:

• Education: Relevant Bachelor’s degree or Diploma from a reputable institution.
• Experience: At least 2 years of experience in selling logbook loans or similar secured  lending products.
• Communication Skills: Strong verbal and written communication skills, with the ability to engage effectively with clients and team members.
• Team Player: Ability to collaborate with colleagues and contribute to a positive team environment.
• Computer Skills: Proficient in Microsoft Office Suite and loan management software.
• Customer Focus: Strong customer service orientation, with a keen understanding of commercial and business needs.
• Attention to Detail: Highly organized, with a strong focus on accuracy and thoroughness in all tasks.
• Sales Expertise: Demonstrated ability to close sales, build client relationships, and meet targets.