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1 month ago

Job Summary

You will oversee loan origination, evaluate creditworthiness, manage client relationships, and ensure adherence to company policies and industry regulations.

  • Minimum Qualification : Degree
  • Experience Level : Entry level
  • Experience Length : 2 years

Job Description/Requirements

Responsibilities:

  • Evaluate loan applications from individuals and businesses to determine eligibility.
  • Conduct thorough financial assessments, including analysing income statements, balance sheets, cash flow statements, and credit reports.
  • Prepare detailed loan proposals and present them to senior management or loan committees for approval.
  • Ensure timely processing of loan applications while maintaining accuracy and compliance with internal policies.
  • Assess credit risk associated with each loan application and recommend appropriate risk mitigation strategies.
  • Monitor existing loan portfolios to identify potential defaults or delinquencies.
  • Develop and implement strategies to minimise non-performing loans (NPLs).
  • Collaborate with legal teams to recover outstanding debts when necessary.
  • Build and maintain strong relationships with existing and prospective clients.
  • Provide expert advice on loan products and tailor solutions to meet clients' financial needs.
  • Address client inquiries and resolve issues related to loan applications, disbursements, and repayments.
  • Act as the primary point of contact for high-value clients and ensure exceptional service delivery.
  • Stay up-to-date with Central Bank of Nigeria (CBN) regulations, anti-money laundering (AML) laws, and other relevant financial legislation.
  • Ensure all lending activities comply with internal policies and external regulatory requirements.
  • Conduct periodic audits of loan files to ensure documentation is complete and accurate.
  • Identify and pursue new business opportunities to expand the organisation’s loan portfolio.
  • Network with industry stakeholders, including SMEs and corporate entities, to generate leads.
  • Work closely with marketing teams to promote loan products and
  • Foster a collaborative work environment that encourages innovation and excellence.
  • Prepare monthly, quarterly, and annual reports on loan performance metrics.
  • Analyse market trends and competitor offerings to inform strategic decisions.
  • Recommend improvements to loan processes and procedures to enhance efficiency.


Requirements:

  • Strong understanding of credit analysis, financial modelling, and risk assessment techniques.
  • Excellent communication and interpersonal skills, with the ability to build rapport with clients and colleagues.
  • Proficient in Microsoft Office Suite (Excel, Word, PowerPoint) and loan management software.
  • Ability to work independently and manage multiple tasks in a fast-paced environment.
  • High level of integrity and ethical standards.
  • Deep understanding of the Nigerian financial landscape, including CBN guidelines and local economic conditions.
  • Familiarity with the Lagos business ecosystem and its unique challenges and opportunities, especially market/traders loans.
  • Minimum of 1.5- 2 years of experience in banking, finance, or lending, or at least 2 years in a similar role.
  • Other professional certifications, such as Certified Credit Professional (CCP) and MBA/MSC, would be an added advantage.

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