About the Role
We are seeking a dynamic and results-driven Business Banking & Lending Officer to join our esteemed financial institution in Nigeria. In this pivotal role, you will champion business growth by driving SME acquisition, IPPIS loan disbursement, and comprehensive credit portfolio management.
Key Responsibilities- Drive client acquisition by sourcing, onboarding, and managing SME, corporate, and individual accounts through strategic networking and direct marketing.
- Manage the end-to-end IPPIS lending process, facilitating loan facilities for eligible public-sector employees in alignment with bank policies.
- Conduct thorough credit assessments, analyze financial statements and cash flows, and prepare robust credit proposals.
- Monitor assigned loan portfolios to ensure optimal performance, regulatory compliance, and minimal portfolio-at-risk.
- Proactively track loan repayments and execute recovery strategies for overdue accounts.
- Provide expert financial advisory services to clients on working capital, cash flow management, and business expansion.
- Ensure strict adherence to Know Your Customer (KYC) requirements, CBN guidelines, and internal credit policies.
- Bachelor's degree or HND in Banking & Finance, Accounting, Economics, Marketing, or a related discipline.
- Minimum of 2 years of proven experience in credit assessment, loan origination, business banking, or relationship management.
- Prior experience in IPPIS or public-sector lending is a distinct advantage.
- Strong proficiency in financial statement analysis and cash-flow evaluation.
- Exceptional negotiation, communication, and target-driven sales capabilities.
- High integrity, attention to detail, and a thorough understanding of banking regulatory compliance.
- Competitive remuneration package with performance-driven incentives.
- Clear career progression and professional development opportunities.
- Collaborative and dynamic work environment within the financial sector.
- Opportunity to manage a high-value portfolio and contribute to economic growth.