Microfinance Officer

About the Role

Fort Knox Group, a diversified security and financial services leader with decades of excellence in Nigeria, is seeking a driven and results-oriented Microfinance Officer. In this field-intensive role, you will play a crucial part in expanding our financial footprint by empowering micro, small, and medium enterprises (MSMEs) with tailored credit and savings solutions. If you possess a strong background in financial sales, credit assessment, and community engagement, we invite you to build a rewarding career with us.

• Conduct active field outreach, market storms, and community mobilization to acquire new individual and group borrowers.
• Interview loan applicants, conduct physical business site visits, and evaluate cash flows to determine creditworthiness.
• Prepare comprehensive credit appraisal memos and present loan files to the Credit Committee for prompt approval.
• Monitor active loan portfolios closely, ensuring timely repayments and maintaining a low Portfolio at Risk (PAR).
• Proactively manage delinquent accounts through early intervention and structured recovery strategies.
• Ensure full compliance with internal credit policies and regulatory microfinance guidelines while maintaining accurate records in the Core Banking Application.

• Bachelor Degree or HND in Finance, Accounting, Economics, Business Administration, or a related field; OND holders with exceptional microfinance or field sales experience will also be considered.
• 1 to 3 years of proven experience in microfinance lending, commercial banking sales, cooperative credit, or financial field sales.
• Solid understanding of cash-flow analysis, basic financial evaluation, and credit risk management.
• Exceptional interpersonal, negotiation, and persuasive communication skills paired with high integrity and attention to detail.
• Willingness and physical stamina to operate extensively within local markets and communities.
• Proficiency in Microsoft Excel, familiarity with Core Banking Software, and fluency in English and relevant local languages.

• Competitive salary with performance-based incentives and bonuses.
• Comprehensive health insurance and wellness benefits.
• Opportunities for professional growth and career advancement within a reputable financial group.
• Dynamic and supportive work environment with continuous professional training.

Skills