About the Role
Lington & Bernie Consulting Limited is a premier management consulting firm providing exceptional human resources, financial, and advisory services to banks and corporate organizations in Nigeria. We are currently seeking a results-driven Consumer Lending Officer to join our dynamic financial services client. In this role, you will play a pivotal part in evaluating loan applications, advising clients on optimal financial products, and managing credit portfolios while ensuring strict adherence to regulatory standards.
Key Responsibilities- Assess the financial health of loan applicants by reviewing credit reports, income statements, employment history, and debt-to-income ratios to determine eligibility and repayment capacity.
- Guide clients through various consumer loan products, clearly explaining interest rates, repayment terms, fees, and associated risks.
- Collaborate with underwriting teams to verify application details, process documentation, and ensure full compliance with internal credit policies and banking regulations.
- Analyze risk factors, credit ratings, and collateral to recommend loan approval, structuring, modification, or denial.
- Monitor loan repayment performance within your portfolio, identifying early warning signs of default and implementing proactive loss mitigation strategies.
- Actively source new clients, meet monthly disbursement targets, and contribute to branch growth through effective business development and networking.
- Bachelor's degree in Finance, Economics, Accounting, Banking, or a related field.
- Minimum of 2 to 4 years of proven experience in consumer lending, credit analysis, or retail banking within the Nigerian financial sector.
- Comprehensive knowledge of banking regulations, credit risk management, and lending policies.
- Exceptional analytical, numerical, and problem-solving skills with high attention to detail.
- Strong interpersonal, negotiation, and client relationship management abilities.
- Proficiency in financial analysis software and Microsoft Office Suite.
- Competitive salary with performance-based incentives and bonuses.
- Comprehensive health insurance coverage for staff and dependents.
- Opportunities for continuous professional development, training, and career advancement.
- A collaborative, professional, and dynamic working environment.