SME/Retail Loan Officer at Alert Microfinance Bank

Loan Application Processing:

Receive and review loan applications submitted by SME clients.
Analyze financial statements, credit reports, and other relevant documents to assess the creditworthiness of applicants.
Conduct risk assessments and make recommendations regarding loan approvals or rejections based on established criteria.

Client Relationship Management:

Develop and maintain strong relationships with SME clients, understanding their business needs and financial requirements.
Provide guidance and advice to clients on suitable loan products and financial solutions.
Address client inquiries, concerns, and requests promptly and professionally.

Credit Underwriting:

Evaluate loan applications to determine the appropriate loan amount, interest rates, and repayment terms.
Assess the risk associated with each loan application and ensure compliance with lending policies and regulations.
Collaborate with credit risk management teams to mitigate potential risks and ensure the quality of the loan portfolio.

Loan Documentation and Compliance:

Prepare and review loan documentation, ensuring accuracy and completeness.
Verify the authenticity of collateral and other security provided by borrowers.
Ensure compliance with regulatory requirements, internal policies, and procedures throughout the loan origination process.

Portfolio Management:

Monitor the performance of existing loan portfolios, including repayment schedules and outstanding balances.
Identify and address any delinquencies or defaults, implementing appropriate remedial actions as necessary.
Conduct regular reviews and assessments of client accounts to identify opportunities for upselling or refinancing.

About Alert Microfinance Bank

ALERT Microfinance Bank Limited is a limited liability company, incorporated in Nigeria by the Corporate Affairs Commission (CAC) on 2nd May, 2013 as a company limited by shares. Alert Microfinance bank is a leading financial service provider with core mandate of providing affordable, flexible financial and non-financial services to micro-entrepreneurs in Nigeria. At Alert Microfinance Bank Limited, we have built our impressive growth on excellent service delivery in a uniquely customer friendly environment with professional staff, a robust information technology IT structure, very sound corporate governance, robust risk management process and a highly skilled management.

Job Details:

Contract Type:	Full Time
Experience Required:	2 – 5 years
Education Level:	BA/BSc/HND
Gender:	Female and Male
Age:	N/A
Number of vacancies:	N/A
Salary:	₦200,000 – ₦300,000/month
Job Field:	Banking , Sales / Marketing / Retail / Business Development
Location:	Lagos