SME Business Credit/Loan Officer (Secured Loans)

Crednet Technologies Limited | Full time

SME Business Credit/Loan Officer (Secured Loans)

Lagos, Nigeria | Posted on 07/14/2026

Job Information

Date Opened 07/14/2026

Job Type Full time

Industry Financial Services

Work Experience 4-5 years

City Lagos

State/Province Lagos

Country Nigeria

Zip/Postal Code 100001

Job Description

CredPal is a leading financial technology company that offers a comprehensive range of financial solutions, including credit cards and investment opportunities, to empower individuals. Our mission is to revolutionize access to credit and investment, enabling individuals to take charge of their financial well-being.

Job Title: SME Business Credit/Loan Officer (Secured Loans)

Job Type: Full Time/Hybrid

Level: Mid - Senior Level

Purpose Statement

We are seeking a highly driven and commercially focused SME Business Credit / Loan Officer to drive secured business loan disbursement across CredPal’s SME and merchant portfolio. This role is responsible for originating, evaluating, and disbursing secured loans to qualified SMEs, while building a strong pipeline of business borrowers and maintaining high portfolio quality. You will actively source borrowers, engage merchants and business owners, convert qualified leads into approved loans, and ensure disciplined repayment behavior. The ideal candidate has strong SME networks, excellent credit assessment skills, and a proven ability to generate loan volume while maintaining portfolio quality.

Responsibilities

Loan Origination & Disbursement

Source and originate secured SME loan opportunities including working capital loans, merchant financing, and asset-backed credit facilities.

Achieve monthly loan disbursement targets for secured SME credit products.

Maintain a strong and active loan pipeline from lead generation through approval and disbursement.

Lead Generation & Borrower Acquisition

Identify and engage qualified SME borrowers across target sectors and business clusters.

Build relationships with merchants, distributors, and SME operators to generate consistent loan opportunities.

Drive high conversion rates from borrower onboarding to loan disbursement.

Credit Assessment & Documentation

Evaluate borrower financials, collateral, and repayment capacity.

Ensure proper documentation and verification of secured loan applications.

Conduct field visits and due diligence where necessary.

Borrower Relationship Management

Build strong relationships with SME clients to encourage repeat borrowing and long-term partnerships.

Provide guidance to borrowers on suitable credit solutions aligned with their business needs.

Portfolio Monitoring & Repayment

Monitor borrower repayment behavior and ensure timely loan servicing.

Track delinquency trends and escalate potential repayment risks early.

Support collections and recovery processes where required.

Market & Business Development

Identify high-potential SME clusters, trade groups, and business networks for loan acquisition.

Stay informed on SME financing trends, market demand, and competitor lending products.

Data & Reporting

Maintain accurate records of loan pipelines, disbursement performance, and borrower activity.

Provide regular reports on loan performance, borrower acquisition, and repayment metrics.

Cross-Functional Collaboration

Work closely with credit risk, operations, and collections teams to ensure smooth loan processing and portfolio performance.

KPIs / Success Metrics

Monthly Business Credit Disbursement Volume

Number of Active Disbursed Business Accounts

Daily / Weekly Disbursement per Channel

Conversion Rate (Onboarding → Disbursed)

Portfolio at Risk (PAR) below benchmark

Credit Repayment Collection Rate

Pipeline Velocity & Conversion

Repeat Borrowing Rate

Average Ticket Size Growth

Sales Productivity

Requirements

Bachelor’s degree in Finance, Economics, Business Administration, or a related field; an MBA or relevant professional certification is an advantage.

Minimum 4+ years of experience in SME lending, secured loans, microfinance, or commercial banking, preferably within fintech or high-growth lending environments.

Proven track record of originating and closing SME loan opportunities while consistently meeting or exceeding aggressive disbursement targets.

Strong hands-on experience with working capital loans, merchant financing, invoice financing, credit lines, or other secured lending products.

Solid understanding of credit risk assessment, collateral evaluation, loan documentation, and portfolio performance management.

Demonstrated ability to build and leverage strong SME and merchant networks to generate consistent borrower pipelines.

Experience managing loan performance, collections processes, and delinquency control within SME lending portfolios.

Strong analytical skills with the ability to use dashboards, KPIs, and financial data to track performance and guide decision-making.

Excellent negotiation, communication, and relationship management skills with business owners and internal stakeholders.

Highly execution-driven with the ability to operate in a fast-paced, target-driven credit and sales environment.

Benefits

Professional development opportunities.

A collaborative and inclusive work culture that fosters growth and innovation.

Opportunity to work with cutting-edge products and technologies.

Supportive and approachable management team dedicated to your success