Loan Officer/Loan Marketer
Jobberman (Third Party Recruitment)
Accounting, Auditing & Finance
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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