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This Credit Officer job at Entourage Integrated Trust Limited in Gboko, Benue State presents a good opportunity for candidates interested in finance, banking, and lending. Here’s a detailed review of the job listing:

Job Overview

• Position: Credit Officer
• Location: Gboko, Benue State (Main Market)
• Company: Entourage Integrated Trust Limited (Microfinance & Investment firm)
• Employment Type: Full-time
• Experience Required: 0 – 3 years
• Qualification: NCE, OND, HND, BSc (Banking & Finance, Economics, or related field)
• Salary: ₦85,000 (with additional benefits)

Job Responsibilities

The Credit Officer will be responsible for:
✔ Reviewing loan requests and assessing clients’ financial status.
✔ Evaluating creditworthiness and risks.
✔ Contacting clients for financial documentation.
✔ Approving or rejecting loan applications based on risk assessment.
✔ Setting up payment plans and loan monitoring.
✔ Ensuring timely repayment collection (daily & weekly follow-ups).
✔ Maintaining loan records and ensuring compliance.

Required Skills & Qualifications

• Work Experience: Prior experience as a Credit Officer, Loan Officer, or related role is an advantage.
• Technical Skills:
  ✅ Hands-on experience with lending procedures & financial products.
  ✅ Ability to analyze risks and process financial spreadsheets.
• Soft Skills:
  ✅ Strong analytical and problem-solving skills.
  ✅ Excellent communication & interpersonal skills.
  ✅ Customer service experience to build client relationships.

Job Benefits

💰 Salary: ₦85,000 (starting salary)
💼 Profit Sharing opportunities
🏥 Health Insurance (HMO)
⏳ Flexible working hours (11 AM – 6 PM)
📈 Yearly appraisal & performance-based salary review

Pros & Cons of the Job

✅ Pros

✔ Entry-level job (0-3 years experience needed)
✔ Good starting salary & growth opportunities
✔ Flexible working hours (not a 9–5 job)
✔ Profit sharing & HMO benefits

❌ Cons

❌ Requires daily & weekly repayment collection (could be stressful)
❌ Target-based job with a focus on loan repayment

Who Should Apply?

✅ Graduates with Banking, Finance, or Economics backgrounds.
✅ Those interested in microfinance, credit analysis, or loan processing.
✅ Candidates with customer service & financial assessment skills.
✅ Individuals willing to work in Gboko, Benue State.

Final Verdict: Is This a Good Job?

Yes! This is a good entry-level opportunity for anyone looking to start a career in finance, microfinance, or credit assessment. The salary is decent for the region, and the flexible work hours & profit-sharing make it attractive. However, applicants should be comfortable with loan repayment collection and meeting targets.

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