FCL Careers

Credit Officer
Credit Officer

Reporting to:
Chief Executive Officer

Job Summary
The Credit Officer is required to prepare loan applications, evaluate clients’ financial information and calculate risks ratios. You must have a good understanding of lending procedures and customer service experience. Ultimately Client’s loans should be processed in a timely manner.


  • Review mortgage loan requests
  • Assess clients’ financial status
  • Evaluate credit worthiness and risks
  • Contact clients to gather financial data and documentation
  • Analyse risks and recommend loan approval or rejection
  • Calculate financial ratios (e.g. credit scores and interest rates)
  • Set up payment plans
  • Maintain updated records of loan applications
  • Follow-up with Clients about loan renewals
  • Assist in the growth of the loans portfolio by actively engaging in the marketing of the company’s products and services
  • Monitor progress of existing loans


  • Previous work experience as a Credit Officer or s similar role
  • Hands-on experience with lending procedures and products
  • Ability to create and process financial spreadsheets
  • Strong analytical skills
  • Customer Service experience

Education and Experience

  • First Degree in Management, Economics, Finance or a related field; or
  • A minimum of five (5) O’Levels (Mathematics and English compulsory) and over ten (10) years experience in credit management

Apply Now

Interested in a career at FCL Financial?
Please complete the form below. We will reply to successful applicants as soon as possible.

Job Application

Maximum file size: 2MB

PDF, Word or Pages File Format Only