Loan Officer at a Reputable Microfinance Institution - Estrada International Staffing Solution

Estrada International Staffing Solutions - Our client is a reputable microfinance institution committed to providing accessible financial solutions to individuals, small businesses, and underserved communities. The organization focuses on driving financial inclusion, supporting SMEs, and delivering sustainable credit solutions while maintaining strong risk management and compliance standards.

They are recruiting to fill the position below:

Job Title: Loan Officer

Location: Ajah, Lagos
Employment Type: Full-time
Sector/Industry: Financial Services

Job Summary

• You will be responsible for driving loan portfolio growth through client acquisition, credit assessment, loan disbursement, and effective monitoring and recovery.
• The role requires strong field engagement, customer relationship management, and adherence to credit policies to ensure high portfolio quality and minimal risk exposure.

Key Responsibilities
Client Acquisition & Loan Booking:

• Identify and onboard eligible clients, including traders, SMEs, artisans, and salary earners.
• Conduct field marketing and prospecting within assigned territories.
• Achieve assigned loan disbursement and portfolio growth targets.

Credit Appraisal & Documentation1:

• Conduct detailed credit analysis and risk assessment.
• Verify client information, including business operations, residence, and guarantors.
• Prepare and submit complete loan documentation in line with policy requirements.
• Ensure strict compliance with KYC and internal credit guidelines.

Loan Disbursement:

• Facilitate timely disbursement of approved loans.
• Ensure all pre-disbursement conditions are met before fund release.

Portfolio Monitoring & Recovery:

• Monitor loan repayment performance and portfolio health.
• Follow up on due and overdue loans proactively.
• Drive collections and ensure minimal delinquency rates.
• Support recovery of non-performing loans.

Customer Relationship Management:

• Build and maintain strong client relationships.
• Provide financial advisory and product education to customers.
• Ensure high levels of customer satisfaction and retention.

Reporting:

• Submit daily field activity and collection reports.
• Provide weekly and monthly portfolio performance updates.
• Maintain accurate and up-to-date client records.

Compliance & Risk Management:

• Ensure adherence to internal policies and regulatory requirements.
• Maintain proper documentation for audit readiness.
• Escalate potential risks or irregularities promptly

Requirements
Educational Requirements:

• Minimum of HND/BSc in any discipline.

Experience, Knowledge, Skills, and Abilities (KSA's):
Experience:

• 0–6 years' experience in microfinance, credit, or sales roles.
• Experience in grassroots or SME lending is an added advantage.

Knowledge:

• Understanding of microfinance lending principles
• Knowledge of SME financing and local market dynamics
• Familiarity with credit risk and loan recovery processes

Skills:

• Strong marketing and sales skills
• Credit analysis and risk assessment
• Communication and negotiation skills
• Relationship management and customer engagement
• Attention to detail and documentation accuracy

Abilities:

• Ability to work in a target-driven environment
• Strong field work resilience and adaptability
• Ability to build trust within local communities
• High level of integrity and accountability.

Salary
N150,000 - N500,000 per month.

Application Closing Date
12th May, 2026.

How to Apply
Interested and qualified candidates should send their CV to: l.omenai@estradaintl.com using the job title as the subject of the mail.