Credit Manager/ Account Officer
Siebi Micro Credit Enterprise
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
- Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.
- Developed strong relationships with clients through professional communication and timely resolution of credit issues.
- Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reviewed and analyzed loan procedures.
- Monitored accounts for signs of fraud and non-payment issues.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Used Sikasoft Software perform credit appraisals, document verification and loan approvals.