• Application Deadline:
• Position: Loan Officer



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 2 - 4 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Job Summary:

• The Loan Officer is responsible for evaluating, processing, and managing loan applications for small and medium-sized enterprises (SMEs). The role involves assessing creditworthiness, ensuring compliance with lending policies, maintaining strong client relationships, and mitigating risks while maximizing portfolio growth.

Key Responsibilities:

• Loan Origination & Assessment – Identify, evaluate, and process loan applications from SMEs, including credit risk analysis and due diligence.


• Loan Processing & Disbursement – Ensure accurate documentation and compliance with lending policies before loan approval and disbursement.


• Portfolio & Risk Management – Monitor loan repayments, manage non-performing loans, and implement recovery strategies.


• Client Relationship & Business Development – Build and maintain strong SME client relationships, provide financial advisory, and drive loan portfolio growth.


• Regulatory Compliance & Reporting – Ensure adherence to banking regulations and prepare periodic reports on loan performance.

Key Skills & Competencies

Technical Skills

• Strong knowledge of SME financing and risk assessment.


• Proficiency in financial statement analysis and cash flow projections.


• Good understanding of regulatory and compliance requirements in microfinance.


• Experience using loan management systems and banking software.

Soft Skills

• Excellent communication and interpersonal skills.


• Strong negotiation and persuasion abilities.


• High level of integrity and ethical standards.


• Analytical and problem-solving mindset.

Behavioral Attributes

• Proactive and self-motivated with a strong sense of responsibility.


• Ability to work independently and within a team.


• Resilient and capable of handling loan recovery challenges effectively.

Preferred Qualifications:

• Bachelor’s degree, HND in Finance, Accounting, Economics, Business Administration, or related field.


• 2–4 years of experience in credit analysis, loan processing, or SME lending in a microfinance or commercial bank.