Loan Officers

We are looking for a proactive and target-driven Loan Officer to join our team. The successful candidate will be responsible for sourcing qualified borrowers, processing loan applications, assessing creditworthiness, disbursing loans, and ensuring timely loan repayment through effective portfolio management and loan recovery.

Key Responsibilities

• Source and onboard qualified loan applicants.
• Market and promote the company's loan products to individuals and businesses.
• Assess customers' financial needs and recommend suitable loan products.
• Evaluate loan applications and verify supporting documentation.
• Conduct credit assessments and determine applicants' eligibility.
• Guide customers through the loan application and approval process.
• Ensure all loan documentation is complete and compliant with company policies.
• Build and maintain strong relationships with customers to encourage repeat business.
• Monitor customers' repayment schedules and maintain a healthy loan portfolio.
• Follow up on overdue loans through phone calls, messages, emails, and field visits where necessary.
• Negotiate repayment plans with delinquent customers and work towards recovering outstanding loans.
• Implement effective loan recovery strategies while maintaining professionalism and positive customer relationships.
• Escalate difficult recovery cases in accordance with company procedures.
• Meet assigned loan disbursement, portfolio quality, and recovery targets.
• Prepare periodic reports on loan performance, collections, and recovery activities.
• Ensure compliance with internal policies and applicable regulatory requirements.

Requirements

• Bachelor's degree or HND in Finance, Business Administration, Economics, Banking, Marketing, or a related field.
• Minimum of 1–2 years of experience in loan sales, lending, collections, or a related financial services role.
• Strong understanding of credit analysis, loan processing, and loan recovery.
• Excellent communication, negotiation, and persuasion skills.
• Ability to manage customer relationships while handling difficult recovery conversations professionally.
• Strong analytical and problem-solving skills.
• Proficiency in Microsoft Office Suite.
• Ability to work independently and consistently achieve performance targets.

Preferred Qualifications

• Experience in fintech, microfinance, or digital lending.
• Experience in loan collections and recovery.
• Knowledge of lending regulations and compliance requirements.

Key Competencies

• Loan Origination
• Credit Assessment
• Loan Recovery & Collections
• Customer Relationship Management
• Sales & Business Development
• Negotiation & Conflict Resolution
• Analytical Thinking
• Attention to Detail
• Time Management
• Results-Oriented Mindset

Benefits

• Competitive salary
• Attractive performance and recovery incentives
• Career growth and advancement opportunities
• Continuous training and professional development
• Supportive and collaborative work environment

Work Location: In person