Loan Officer Job at PrisDav Consulting

Job Position: Loan Officer

Job Location: Apapa, Lagos
Direct Reporting line: the Branch Manager

Job Description

• Promotes the Banks products and attract new business.
• Ensure a very high portfolio quality. PAR must not be greater than 1.0%.
• Participate in Branch expansion, brand management and business development activities in the Area.
• Sensitize all Loan applicants on all aspects of the Loan program: procedure to apply, the terms and conditions, the incentives for good performance and penalties for default.
• Conduct loan evaluations according to policies, procedures of the Bank and develop an accurate assessment of each client’s capacity & willingness to repay the requested loan.
• Ensure an appropriate and capable guarantee is in place for all Credit appraisals.
• Submit performance reports; daily, weekly, monthly on achievement of your target as it relates to approved KPI’s.
• Frequent visitation of all customers for either initiating of new loans or identifying causes of delinquency.
• Verification of the intending Borrowers to their residence and their Guarantors are essential.
• Support the handling of customer’s complaints according to the different levels of authorization.
• Ensure loans are considered and approved by Area Credit Committee (ACC& MCC) before disbursement.
• Provide high-quality customer service and resolve complaints within 24hours.
• Develop relationship with each client of the Branch to support their business success and cultivate loyalty.
• Manage and recover all due repayments and escalate to immediate supervisor of all Borrowers that skip repayments.
• Ensure that no case of fraud or suppression of cash occur within the Branch.
• Carry out any other ad hoc jobs assigned to you from time to time.
• Zero tolerance for service failure.
• You may be place on stop and recover if your PAR get to 5% and above with related sanctions as prescribed in the Credit Policy.
• The Bank frowns at handling of cash by Credit Officer.
• All Repayments and payee must be through the NUBAN of the customer directly from their Correspondent Bank Account.
• Your Performance shall be reviewed once in a month through the MPR system of the Bank.
• If you meet your targets as achieve 80% are placed averagely your scores, you will be quarterly for incentives after 3 months on the job.

Requirements

• Candidates should possess a B.Sc qualification.
• 0 - 3 years of experience.
• Applicant must reside around Boundary, Apapa

Salary
N75,000 - N100,000 monthly (gross pay)

Method of Application
Interested and qualified candidates should send their CV to: pdc@prisdavconsulting.com using "Loan Officer" as the subject of the mail.