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Lagos NigeriaIkoyi Nigeria

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Nigeria/Lagos/Accounting, finance, banking, insurance
Estrada International Staffing Solutions

Consulting + 2 more

Relationship Officer

Lagos • Nigeria
Job details

Contract Type

Description


Key Responsibilities
1. Customer Sourcing & Client Acquisition: Identify and onboard prospective borrowers within assigned markets. Conduct field visits, market scans, and community engagement to generate leads. Build and maintain a strong pipeline of active borrowers.

2. Credit Assessment & Relationship Processing: Conduct KYC verification, credit appraisal, and cash‑flow analysis. Prepare loan documentation and submit applications for approval. Ensure fast and accurate turn around time on customer onboarding and loan processing.

3. Coordinate Loan Disbursement & Portfolio Management: Disburse approved loans in line with bank policies. Monitor borrower performance and ensure timely repayment. Maintain a healthy and high‑quality loan portfolio.

4. Loan Recovery & Delinquency Management: Follow up on overdue accounts and implement recovery strategies. Conduct field recovery visits when necessary. Maintain low PAR and NPL levels through proactive monitoring.

5. Reporting & Compliance: Prepare daily, weekly, and monthly loan performance reports. Ensure compliance with internal credit policies and regulatory standards.
Maintain accurate and updated client records.

Key Performance Indicators (KPIs)

The Relationship Officer will be evaluated based on:

  • Loan Disbursement Volume: Monthly and quarterly disbursement targets achieved.
  • Portfolio Quality: Low Portfolio at Risk (PAR) and Non‑Performing Loan (NPL) ratios.
  • Loan Repayment Rate: Percentage of loans repaid on schedule.
  • Number of Active Borrowers: Growth and retention of borrower base.
  • Recovery Rate: Effectiveness in recovering overdue or defaulted loans.
  • Turnaround Time: Speed and accuracy of loan processing from application to disbursement.

Who Will Thrive in This Role

You will excel if you are:

  • Highly disciplined, target‑driven, and comfortable working in the field.
  • Skilled at building trust with market traders, micro‑business owners, and SMEs.
  • Strong in credit assessment, risk evaluation, and loan monitoring.
  • Persistent, persuasive, and effective in loan recovery.
  • Organized, detail‑oriented, and able to manage multiple borrowers simultaneously.

Qualifications & Requirements

  • OND/HND/BSc in Finance, Business, Economics, or related field.
    1–3 years' experience as a Relationship Officer in a microfinance bank or lending institution.
  • Strong knowledge of micro‑lending, credit analysis, and field operations.
  • Excellent communication, negotiation, and customer‑relationship skills.
  • Ability to work under pressure and meet aggressive targets.
Tags
Accounting, finance, banking, insuranceConsulting, business support, auditingEntry and Basic-levelNigeria

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