• Application Deadline:
• Position: Relationship Officer



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 1 - 3 years



• Location Lagos




• Job Field Sales / Marketing / Retail / Business Development 
  
  

Key Responsibilities

Loan Origination & Client Acquisition:

• Identify and recruit potential clients for microfinance loan products.


• Conduct market research to understand the credit needs of individuals and small businesses.


• Promote loan products to low-income earners, traders, artisans, and small business owners.


• Educate customers on loan terms, repayment plans, and financial literacy.

Loan Application & Appraisal:

• Collect and verify loan applications, ensuring completeness and accuracy.


• Conduct field visits to assess business viability and borrower capacity.


• Analyze creditworthiness using financial data, business performance, and risk factors.


• Ensure proper Know Your Customer (KYC) documentation and background checks.

Loan Disbursement & Monitoring:

• Facilitate loan approvals and disbursements in line with the bank’s credit policies.


• Monitor disbursed loans through regular follow-ups and client visits.


• Track repayment schedules, ensuring timely collections and loan performance.

Loan Recovery & Risk Management:

• Proactively follow up on overdue payments to reduce loan default rates.


• Develop strategies for loan restructuring and recovery in cases of default.


• Report loan delinquency trends and recommend solutions to management.


• Work closely with the internal control and compliance team to mitigate risks.

Customer Relationship Management:

• Build and maintain strong relationships with clients to enhance trust and loyalty.


• Provide after-loan support and financial advisory services to borrowers.


• Address customer complaints and escalate unresolved issues as needed.

Qualifications & Experience

• Bachelor’s Degree or HND in Finance, Banking, Business Administration, or a related field.


• 1-3 years experience in microfinance lending, credit assessment, or sales.


• Good knowledge of micro-lending procedures, credit analysis, and risk management.


• Experience working with low-income groups, small businesses, or informal traders is an advantage.

Skills & Competencies:

• Strong sales, negotiation, and customer relationship skills.


• Excellent financial analysis and risk assessment abilities.


• Good communication, persuasion, and problem-solving skills.


• Ability to work independently and meet loan targets.


• Proficiency in Microsoft Excel and loan management software.