Sales Officer (Consumer Lending / Deposit Mobilization) - Lagos

Qualifications / Requirements

• B.Sc Degree in Finance, Economics, or a related field
  
• Proven working experience as a Loan Officer and Deposit Mobilization
  
• Familiarity with computers and banking applications/software
  
• Solid understanding of direct/indirect lending products and practices
  
• Customer satisfaction orientation and sales competencies
  
• Ability to work in a goal-oriented environment and meet set target.
  

What to expect in the hiring Process:

• A preliminary phone call with the recruiter
  
• A reasoning and a personality assessment
  
• A technical interview session with a HR representative and the hiring manager.
  

Qualifications / Requirements

• B.Sc Degree in Finance, Economics, or a related field
  
• Proven working experience as a Loan Officer and Deposit Mobilization
  
• Familiarity with computers and banking applications/software
  
• Solid understanding of direct/indirect lending products and practices
  
• Customer satisfaction orientation and sales competencies
  
• Ability to work in a goal-oriented environment and meet set target.
  

What to expect in the hiring Process:

• A preliminary phone call with the recruiter
  
• A reasoning and a personality assessment
  
• A technical interview session with a HR representative and the hiring manager.
  

• Evaluate creditworthiness by processing loan applications and documentation within specified limits
  
• Interview applicants to determine financial eligibility and feasibility of granting loans
  
• Determine all applicable ratios and metrics and set up debt payment plans
  
• Communicate with clients either to request or to provide information
  
• Justify decisions (approvals/rejections) and report on them
  
• Complete loan contracts and counsel clients on policies and restrictions
  
• Review loan agreements to ensure that they are complete and accurate according to policy
  
• Update account records, Compute payment schedules and transactions on ERP
  
• Confer with underwriters to aid in resolving loan application problems.
  
• Update job knowledge on types of loans and other financial services
  
• Assess customer needs, explore all options and introduce different types of loans
  
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
  
• Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
  
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines
  
• Source appropriately priced and structured deposit liabilities for the company from retail and institutional sources.
  
• Visit, engage prospects and maintain liability generated.
  
• Marketing and sale of all company deposit products.
  
• Meet, maintain and exceed assigned targets and quot a in deposit mobilization and other assigned tasks.
  
• Propose services, up-selling and cross-selling whenever possible.
  
• Participate in creating new and better marketing based on field experience.
  
• Ensure the form for the fixed deposit investment Planis adequately completed and registered
  
• Inform the client of the status of their investment.