Loan Officer at a Reputable Company

Requirements

• Conduct field visits and market scans to identify individuals and small businesses with viable financial needs.
• Target micro-entrepreneurs, traders, artisans, and SMEs across diverse sectors using business profiling and local data.
• Present loan products tailored to individual and SME clients, clearly explaining benefits, terms, and repayment structures.
• Guide prospects through the application process, ensuring complete documentation and eligibility screening.
• Convert qualified leads into active borrowers, consistently meeting monthly acquisition targets across both segments.

• Perform detailed financial and business assessments, including income verification, business viability, and repayment capacity.
• Conduct site visits to validate business operations and assess risk factors.
• Prepare and submit loan proposals to the credit committee, ensuring compliance with internal policies and regulatory standards.
• Facilitate timely disbursement of approved loans, ensuring all documentation is complete and signed.
• Educate clients on repayment schedules, penalties, and financial discipline, while maintaining accurate records of disbursed funds.

• Minimum of HND or Bachelor's degree in Finance, Business Administration, Economics, Accounting, or a related field.
• Professional certifications in credit analysis, microfinance, or financial services are an added advantage.

• Strong analytical skills for evaluating individual and SME financials.
• Excellent communication and customer service abilities.
• Ability to meet monthly acquisition and disbursement targets.
• Proficiency in Microsoft Office and loan management systems.
• High attention to detail and strong documentation practices.

• 1–3 years of experience in microfinance, retail banking, or SME lending.
• Proven track record in client acquisition, loan processing, and portfolio management.
• Experience conducting financial assessments and preparing credit proposals.

• Must reside within the
  Ojodu, Ogba, Agege, or Ikeja axis
  of Lagos State.
• Familiarity with the business landscape and client profiles in these areas is essential.

• High level of integrity, professionalism, and accountability.
• Fluency in English and any relevant local languages.