About the Role
Lington & Bernie Consulting Limited is seeking a results-driven and analytical Consumer Lending Officer to join our client's esteemed financial institution in Nigeria. In this vital role, you will play a crucial part in driving retail credit growth, evaluating loan applications, managing credit risk, and delivering exceptional financial advisory services to our diverse clientele.
Key Responsibilities- Evaluate the financial health of applicants by meticulously reviewing credit reports, income statements, employment history, and debts to determine eligibility and repayment capacity.
- Guide clients through various consumer loan products, clearly explaining interest rates, repayment terms, fees, and the pros and cons of each option.
- Collaborate closely with underwriting teams to process loan applications, verify documentation, and ensure strict compliance with internal credit policies and regulatory standards.
- Analyze credit ratings, collateral, and overall risk factors to recommend appropriate loan approvals, modifications, or denials.
- Monitor loan repayment performance proactively, identifying early warning signs of default and implementing strategies to mitigate potential financial losses.
- Cultivate and maintain strong relationships with borrowers to encourage repeat business, generate quality referrals, and ensure high customer satisfaction.
- Actively source new retail clients, meet assigned disbursement targets, and contribute significantly to branch growth by promoting bank products.
- Possession of a Bachelor's Degree (BSc) or Higher National Diploma (HND) in a relevant discipline from a recognized institution.
- Maximum age of 35 years.
- Demonstrated strong analytical, communication, and interpersonal skills.
- Keen attention to detail with a high level of integrity and professional ethics.
- Competitive salary package with performance-based incentives.
- Comprehensive health insurance and wellness benefits.
- Continuous professional development and career advancement opportunities.
- Dynamic and collaborative work environment in a reputable institution.