Field Credit Officer – Asset Finance – Apply As Soon As Possible

Across Nigeria’s asset finance space, the pressure on loan performance has increased. Rising operating costs and tighter regulatory expectations mean financial institutions are paying closer attention to how credit is monitored and recovered in the field.

This is why experienced Field Credit Officers are in demand right now. Institutions are looking for people who can leave the desk, speak directly with customers, and protect the quality of their loan portfolio through calm, professional follow-up.

This role is recruiting for a reputable financial institution that relies heavily on field-level insight to keep its asset finance operations healthy.

This is not passive income work; it requires consistent attention, communication, and follow-through.

Many people assume this role is only about chasing repayments, but in reality it is about balance. You will spend time understanding customer situations, documenting facts clearly, and protecting the institution while still treating people with respect.

This is not a role for someone who avoids field work or difficult conversations. What matters most here is your judgement, consistency, and ability to follow agreed processes even when situations become uncomfortable.

You’ll do well here if you are comfortable working independently, moving between locations, and closing the loop on every account you handle.

Key Responsibilities

• Conduct regular field visits to monitor loan performance and recover delinquent accounts
• Engage customers professionally to assess repayment capacity and agree on workable plans
• Follow up consistently on repayment commitments to ensure compliance with agreed terms
• Document all field activities and outcomes accurately on approved systems
• Identify high-risk and non-performing accounts and escalate appropriately
• Ensure all activities comply with internal credit policies and CBN regulations
• Work with internal teams to meet assigned credit and recovery targets

Required Qualifications

• Bachelor’s degree in Business Administration, Finance, Economics, or a related field
• 1–2 years’ experience in credit operations, loan recovery, or similar roles
• Practical understanding of credit administration and recovery processes
• Strong negotiation and communication skills
• Ability to work independently and manage multiple accounts
• Basic computer and reporting proficiency

Employer: Reputable Financial Institution (via TeamAce Limited)

Employment Type: Full-time

Location: Lagos, Nigeria

This opportunity is shared directly by the business owner. Communication is handled professionally, and applications are reviewed carefully. No fees are required at any stage of the process, and expectations are discussed clearly before any work begins.

How to Apply

Click Here to Apply

Sample ATS-Aligned CV

How This CV Helps You Stand Out

This CV keeps the focus on practical field experience, recovery outcomes, and regulatory awareness, which are the first things hiring managers look for in asset finance roles.

If you already have similar experience, refining your achievements and clarity can make this even stronger.

Interview Preparation

Role-Specific Questions

• How do you approach a customer who has missed multiple repayments?
• What steps do you take before escalating a delinquent account?
• How do you balance recovery targets with customer relationships?
• Describe how you document field findings accurately.
• How do you identify early warning signs of loan default?
• What experience do you have with asset finance products?
• How do you plan your daily field visits?
• How do you handle resistance from customers?

General Questions

• Why are you interested in field-based credit roles?
• How do you manage pressure and targets?
• Describe a difficult work situation you handled calmly.
• How do you stay organised?
• What does professionalism mean to you?

Talking Points

• Your field recovery experience
• Your understanding of credit policies
• Your communication style with customers

Do’s & Don’ts

• Do speak clearly about real field experience
• Do show respect for compliance and process
• Do not exaggerate recovery results
• Do not criticise past employers
• Do not appear uncomfortable with field work
• Do remain calm and practical

Preparation Checklist

• Review credit recovery processes
• Understand asset finance basics
• Prepare real examples from your experience
• Plan your availability and mobility

Recruiters are listening for evidence that you can handle field pressure calmly and still follow process. Clear examples matter more than big claims.