About the Role
Regent Microfinance Bank Limited, licensed by the Central Bank of Nigeria (CBN), is seeking a results-driven and customer-centric Micro Credit Loan Officer to join our dynamic team in Abuja. We specialize in empowering Small and Medium Scale Enterprises, traders, farmers, and underserved individuals with robust financial services. If you have a passion for financial inclusion and a knack for credit evaluation, this on-site role offers an exciting opportunity to contribute to our expanding microcredit portfolio while advancing your career in the Nigerian banking sector.
Key Responsibilities- Source, evaluate, and onboard potential clients for microcredit loans tailored to small and medium enterprise needs.
- Conduct thorough credit appraisals and risk assessments to evaluate clients' businesses and repayment capacities.
- Process loan applications and support underwriting decisions strictly in line with the bank's credit policies.
- Maintain accurate and up-to-date documentation for all loan applications, approvals, and disbursements.
- Monitor loan utilization and actively follow up on daily repayments to ensure healthy portfolio quality.
- Collaborate with internal teams to manage delinquent accounts and execute effective debt recovery strategies.
- Build and maintain strong professional relationships with clients to enhance satisfaction, retention, and brand loyalty.
- Prepare periodic reports on loan performance, emerging portfolio trends, and client feedback for branch management.
- Minimum of OND, HND, or B.Sc. in Finance, Banking, Economics, Business Administration, or a related academic field.
- 1 to 3 years of proven professional experience in microcredit, loan processing, or MSME lending within a microfinance bank or financial institution.
- Demonstrated foundational skills in basic financial analysis, credit risk assessment, and loan structuring.
- Exceptional customer service, relationship management, and communication skills.
- Strong numerical aptitude, attention to detail, and proficiency in using loan management systems and office software.
- High level of integrity, reliability, and the ability to thrive in a fast-paced, target-driven team environment.
- Prior working experience within the Abuja market is a distinct advantage.
- Competitive salary with attractive performance-based incentives and bonuses.
- Continuous learning, training, and professional development programs.
- A collaborative, supportive, and innovative work culture.
- Genuine opportunities for career advancement within the bank.