Loan Officer
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Estrada International Staffing Solutions is hiring a target-driven Loan Officer in Lagos to originate loans, assess creditworthiness, and manage an active portfolio. The role requires 3-5 years of experience in a microfinance bank, commercial bank, or fintech, with strong skills in credit analysis and collections.
- Full-time on-site role in Lagos with working hours of 8am to 5pm
- Monthly salary range of NGN 400,000 - 600,000
- Requires HND/degree in Finance, Banking, Accounting, Economics, or related field
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Estrada International Staffing Solutions is hiring a target-driven Loan Officer in Lagos to originate loans, assess creditworthiness, and manage an active portfolio. The role requires 3-5 years of experience in a microfinance bank, commercial bank, or fintech, with strong skills in credit analysis and collections.
- Full-time on-site role in Lagos with working hours of 8am to 5pm
- Monthly salary range of NGN 400,000 - 600,000
- Requires HND/degree in Finance, Banking, Accounting, Economics, or related field
- 3-5 years of experience as a Loan Officer or Credit Analyst in MFB, commercial bank, or fintech
- Responsibilities include loan origination, credit appraisal, portfolio monitoring, and NPL management
- Must ensure strict compliance with KYC, AML, and internal credit policies
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Source salary availableThe source lists NGN 400,000 - 600,000. Confirm the final pay, benefits, contract terms and allowances directly with the employer before accepting an offer.
Can you qualify for this role?
- Required3+ years of relevant experienceThe job post includes a minimum experience signal.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in retail, internship, technologyThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in LagosThe vacancy is associated with this location.
- UnclearComfort with the Full Time contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Loan Officer evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Beamer Microfinance Bank and the role in Lagos.
- Add concrete examples related to retail, internship, technology, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobberman Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
Source and safety check
- Jobberman Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
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Interview preparation
- What experience makes you a strong fit for this Loan Officer role in retail, internship?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Lagos under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Beamer Microfinance Bank before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
E
Loan Officer
Estrada International Staffing Solutions
Accounting, Auditing & Finance
Yesterday
Easy apply
New
Lagos
Full Time
Banking, Finance & Insurance
NGN
400,000 - 600,000
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Job summary
We are seeking an experienced, analytical, and target-driven Loan Officer to join our growing credit team in Lagos.
Min Qualification:
Degree
Experience Level:
Mid level
Experience Length:
3 years
Language Requirement:
English
Work Type:
Full Time
Working Hours:
8 to 5
Applicant Location:
Nigeria
Job descriptions & requirements
Key Accountabilities
- Loan Origination & Portfolio Management:
- Identify, prospect, and onboard high-quality individual and business borrowers across Lagos.
- Guide applicants through the loan application process, ensuring all required documentation and background checks are complete.
- Manage an active loan portfolio, ensuring strong client retention, prompt repayments, and continuous portfolio health.
- Credit Assessment & Risk Management:
- Conduct thorough financial analysis, cash flow evaluations, and risk assessments of applicants to determine creditworthiness.
- Perform physical site visits, business appraisals, and background/collateral verifications.
- Evaluate collateral and verify guarantor credentials in line with internal credit policies and regulatory standards.
- Prepare comprehensive credit appraisal memos and present recommendations to the Credit Committee.
- Monitoring & Collections:
- Monitor repayment schedules and maintain proactive communication with clients to prevent delinquencies.
- Implement early-stage recovery strategies for past-due accounts and work with the recovery team to manage default risks.
- Maintain a Non-Performing Loan (NPL) ratio strictly within approved company thresholds.
- Compliance & Reporting:
- Ensure strict adherence to company credit policies, Know Your Customer (KYC), Anti-Money Laundering (AML), and relevant regulatory frameworks.
- Maintain complete, accurate, and up-to-date physical and digital borrower files.
- Prepare weekly and monthly portfolio performance reports for executive management.
Requirements
- HND in Finance, Banking, Accounting, Economics, Business Administration, or a related field.
- 3-5 years of proven experience as a Loan Officer or Credit Analyst in a Microfinance Bank (MFB), Commercial Bank, or Fintech company in Nigeria.
- Strong ability to analyze financial statements, assess SME cash flows, and evaluate collateral values.
- Hands-on experience with Banking Software / Loan Management Systems (LMS) and Microsoft Excel.
- Deep knowledge of the Lagos commercial and retail lending landscape, local business hubs, and credit bureau reporting frameworks (e.g., CRC, FirstCentral).
- Soft Skills & Competencies:
- Excellent negotiation, communication, and interpersonal skills.
- High ethical standards, integrity, and sound professional judgment.
- Target-oriented mindset with the ability to work under pressure.
- Benefits & What We Offer:
- Remuneration: NGN
- 200,000 – 400,000 monthly (commensurate with experience and proven track record).
- Incentives: Performance-based bonuses tied to portfolio growth and quality targets.
- Benefits: Health Insurance (HMO), paid annual leave, mobile/airtime allowances, and career advancement opportunities.
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