About the Role
Lington & Bernie Consulting Limited is seeking a detail-driven and results-oriented Consumer Lending Officer to join our dynamic team in Nigeria. In this role, you will play a pivotal part in evaluating loan applications, managing credit risk, and delivering exceptional advisory services to our diverse clientele across the financial sector.
Key Responsibilities- Evaluate the financial health of loan applicants by thoroughly reviewing credit reports, income statements, employment history, and debt-to-income ratios.
- Guide clients through various consumer loan products, clearly explaining interest rates, repayment terms, fees, and conditions to ensure informed borrowing decisions.
- Collaborate closely with underwriting teams to process loan applications, verify documentation, and ensure adherence to internal credit policies and regulatory standards.
- Conduct comprehensive risk assessments by analyzing credit ratings, collateral, and overall creditworthiness to recommend loan approvals, modifications, or denials.
- Monitor loan repayment performance within your assigned portfolio, identifying early warning signs of default and implementing proactive loss mitigation strategies.
- Foster strong, lasting relationships with borrowers to encourage repeat business, secure referrals, and guarantee high customer satisfaction.
- Actively source new clients, develop referral networks, and execute marketing strategies to meet branch disbursement and growth targets.
- Prepare timely, accurate loan reports and deliver tailored financial advice focused on the long-term stability of the client.
- Bachelor's degree in Finance, Economics, Accounting, Banking, or a related business discipline.
- Proven professional experience in consumer lending, credit analysis, or retail banking within the Nigerian financial services industry.
- In-depth knowledge of banking regulations, lending compliance standards, and risk management practices.
- Exceptional analytical, numerical, and problem-solving skills with a meticulous eye for financial detail.
- Outstanding interpersonal, communication, and client relationship management abilities.
- Proficiency in financial software, loan origination systems, and Microsoft Office Suite.
- Competitive salary structure with performance-based incentives and bonuses.
- Comprehensive health insurance coverage for employee and dependents.
- Continuous professional development, specialized training, and clear career progression pathways.
- A collaborative, inclusive, and professional work environment within a reputable consulting and financial services firm.