Loan officer

Smart Partners Consulting Limited

Job Summary

Smart Partners Consulting - Our client, a Micro Finance Bank, seeks to hire qualified candidates to fill this position    Job Summary ...

  • Minimum Qualification: Degree
  • Experience Level: Senior level
  • Experience Length: 1 year

Job Description

Smart Partners Consulting - Our client, a Micro Finance Bank, seeks to hire qualified candidates to fill this position 

 

Job Summary

 

  • Candidates who will evaluate, authorize, or recommend approval of credit loans, Advise borrowers on financial status and methods of payments.

Job Responsibilities

  • Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
  • Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
  • Meet with applicants to obtain information for loan applications and to answer questions about the process.
  • Evaluation of loan applications and preparation of loan proposals
  • Monitoring of disbursed loans and loans in arrears
  • Assuring long term relationship through high client satisfaction, reaching a high ration of revolving clients
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information
  • Review and update credit and loan files.
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
  • Submit applications to credit analysts for verification and recommendation.
  • Handle customer complaints and take appropriate action to resolve them
  • Negotiate payment arrangements with customers who have delinquent loan

Qualification and Requirements

  • Minimum educational qualification of BSc/HND
  • Basic knowledge of Financial mathematics & Accounting
  • Minimum of 2years working experience as a loan Officer in any micro finance bank
  • Dynamic and motivated individuals who like to work outdoor
  • Excellent analytical skills
  • Applicants must be based within Lagos Island and environ.

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