• Application Deadline:
• Position: Field Risk Officer



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 0 - 2 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Job Summary

• We are looking for a diligent and proactive Field Risk Officer to support the Risk Department in conducting on-field credit risk analyses and KYC (Know Your Customer) activities for prospective clients.


• This role involves assessing borrower behavior, verifying loan utilization, identifying potential risks, and providing timely feedback on customer and portfolio conditions.


• It is crucial for minimizing default and fraud risks and for supporting loan recovery efforts.

Key Responsibilities

• Field Visits: Conduct field visits to verify client information, assess business operations, and monitor collateral


• Risk Management: Identify, assess, and mitigate credit risks, implementing strategies to minimize potential losses.


• Documentation and Compliance: Ensure accurate documentation and compliance with the in-house credit policies, regulations, and laws.


• Collaboration: Work with internal stakeholders, such as credit committees, risk management teams, and operations departments.


• Identify and report credit, operational, and reputational risks observed at the customer level.


• Support the monitoring and recovering of high-risk or delinquent loan accounts.


• Gather intelligence from the field to prevent fraud, default, or unethical practices.


• Assist in the enforcement of credit policies and field risk guidelines.


• Reports: Submit daily or weekly field risk reports with clear observations and recommendations.


• Escalate suspicious activity, early warning signs, or red flags to the Risk or Recovery team.


• Collaborate with Loan Officers, Recovery Officers, and Branch Managers to ensure portfolio quality.


• Perform ad hoc field investigations and background verification as assigned.

Requirements

• Candidates should possess an HND/BSc in Finance, Business, Risk Management, or related field with 0 – 2 years of experience in field operations, loan monitoring, or customer verification.


• Strong attention to detail and analytical mindset.


• Good communication and report writing skills.


• Basic Excel and Microsoft knowledge.


• Ability to work independently and travel frequently within assigned territories.


• Familiarity with SME or micro-lending processes is an added advantage.

Key Attributes:

• High integrity and discretion.


• Observant and investigative mindset.


• Strong interpersonal and reporting skills.


• Ability to manage time effectively under field pressure.