Post-Loan Officer - Field Monitoring & Repayment Support Officer at Opay Nigeria
About the Role
The Post-Loan Officer ensures the continued health, performance, and monitoring of the loan portfolio after facility disbursement. While primary relationship and repayment responsibilities remain with the originating sales teams, this role provides independent post-disbursement oversight.
- The position balances desk-based tracking with field-based engagement to ensure customer conduct, risks, and repayment statuses are objectively validated and documented.
Department: Credit Risk / Post-Loan Desk
- Reporting Line: Reports functionally to the Post-Loan Lead, with day-to-day local coordination through the Local Post-Loan Manager and the Credit Risk Desk
- Role Type: Post-loan monitoring, repayment support, field validation, and portfolio health oversight
Key Responsibilities
Portfolio Repayment Monitoring: Track assigned loan performance against approved schedules; maintain visibility on performing, watchlist, and overdue accounts using verified data rather than informal sales feedback.
- Repayment Follow-Up Support: Assist sales teams by professionally engaging customers on upcoming obligations, outstanding balances, and documented repayment commitments.
- Field Monitoring & Customer Engagement: Conduct on-site visits to validate business operations, cash flow, and project continuity; verify that financed activities align with approval conditions.
- Early Warning Signal Identification: Detect and report early indicators of credit deterioration; maintain an active account watchlist and promptly escalate high-risk cases.
- Delinquency Management Support: Investigate reasons for payment delays, secure realistic payment commitments, and recommend accounts requiring restructuring, legal review, or formal recovery.
- Reporting & Documentation: Prepare accurate portfolio summaries, field visit reports, and engagement logs for risk management and the local leadership team.
- Compliance & Stakeholder Coordination: Collaborate with Sales, Credit Risk, Operations, and Legal teams; ensure all monitoring activities strictly adhere to internal policies and regulatory guidelines.
Scope of Authority
The Post-Loan Officer is authorized to:
- Engage customers directly regarding repayment status and post-disbursement obligations.
- Conduct independent field visits and business verification exercises.
- Request portfolio updates and supporting information from relationship managers.
- Escalate repayment concerns, material adverse findings, and delinquency risks.
- Recommend accounts for management intervention or formal recovery channels.
Key Deliverables
Assigned portfolio repayment and commitment trackers
- Daily or periodic repayment follow-up updates
- Field visit reports and customer engagement logs
- Watchlist, early warning signal, and delinquency escalation reports
- Account recommendations for management, risk, legal, or recovery attention
Key Performance Indicators (KPIs)
Timeliness, accuracy, and completeness of repayment trackers and field visit reports.
- Promptness in identifying and escalating early warning signals and adverse findings.
- Effectiveness of follow-ups on assigned watchlist and overdue accounts.
- Quality of cross-functional coordination with Sales, Credit Risk, and internal stakeholders.
- Ability to consistently provide independent, factual, and objective portfolio feedback.
Required Qualifications & Competencies
- Minimum of 5 years experience.
- Education: Bachelor’s degree in Finance, Accounting, Business Administration, Economics, Banking, or a related discipline.
- Experience: Proven experience in credit monitoring, loan operations, portfolio management, repayment follow-up, or field verification.
- Technical Skills: Strong analytical capabilities, risk identification, structured reporting, and clear written/verbal communication.
- Personal Attributes: High integrity, objective and fact-driven mindset, professional firmness, and full willingness to travel frequently for field work.
Location:
- Nigeria (with field engagement and travel as required)
Deadline: Not Specified
How to Apply
Interested Applicant can apply via this link
