At Careers Verified, we go beyond narrowly defined clients’ issues; we create opportunities for our clients, candidates, colleagues, collaborators, and the community. Through a network of diversified but highly complementary lines of business, we help organizations find critical talent, access cutting-edge advice, and get the innovative support they require to grow in a challenging market. We partner with businesses and organizations of varying size and structure across diverse sectors, such as Oil and Gas, Engineering, Finance, Telecom, FMCG, Legal, Technology, Healthcare, Travel and Aviation, etc., to enhance business performance and to optimize for growth to achieve exceptional results. What sets us apart is the depth of our capabilities, creative problem-solving approach, and proven track record in our practice area, combined with in-depth knowledge of the realities of the industries we serve.
Applications are invited for:
Title: Graduate Trainee Program (Consumer Lending)
Location: Nationwide
Employment Type: Full-time
Description
- The Graduate Trainee – Consumer Lending Program is designed to develop young professionals into competent consumer lending and credit specialists.
- The program provides hands-on experience in customer acquisition, loan origination, credit assessment, portfolio management, and customer relationship management.
- Trainees will undergo structured training while supporting the organization's efforts to provide responsible lending solutions and achieve business growth objectives.
Key Responsibilities
- Participate actively in all training, coaching, and development activities.
- Identify and onboard eligible customers for consumer loan products.
- Generate leads and build a pipeline of prospective borrowers.
- Educate customers on available loan products, requirements, and repayment terms.
- Assist in the collection and verification of customer documentation.
- Conduct preliminary customer profiling and financial assessments.
- Support credit appraisal and loan processing activities.
- Follow up with customers throughout the loan application and disbursement process.
- Maintain accurate customer records and lending documentation.
- Monitor loan portfolios and support repayment tracking activities.
- Assist in managing delinquent accounts and recovery efforts where necessary.
- Build and maintain strong relationships with customers and corporate partners.
- Prepare daily, weekly, and monthly performance reports.
- Ensure compliance with lending policies, regulatory requirements, and internal procedures.
Key Performance Indicators (KPIs)
- Number of qualified loan applications sourced.
- Loan disbursement volume and value.
- Customer acquisition rate.
- Loan portfolio quality.
- Repayment and collection performance.
- Turnaround time for loan processing.
- Compliance with lending policies and procedures.
- Accuracy and timeliness of reports.
- Training assessment and performance scores.
Requirements
- Bachelor's Degree or HND in Finance, Economics, Accounting, Banking & Finance, Business Administration, Marketing, Statistics, or related disciplines.
- Minimum of Second Class Lower (2:2) or Lower Credit.
- NYSC discharge certificate or exemption certificate.
- Strong interest in consumer lending, credit analysis, and financial services.
- Excellent communication and interpersonal skills.
- Strong analytical and numerical abilities.
- Proficiency in Microsoft Office applications, particularly Excel.
- Ability to work under pressure and meet targets.
- High level of integrity, professionalism, and attention to detail.
- A maximum age of 27 years is an added advantage.
Skills and Competencies:
- Credit Analysis and Risk Assessment
- Customer Acquisition and Relationship Management
- Financial Analysis
- Negotiation and Persuasion Skills
- Communication and Presentation Skills
- Data Analysis and Reporting
- Problem-Solving Ability
- Attention to Detail
- Time Management
- Teamwork and Collaboration
Career Progression:
Successful trainees may progress into roles such as:
- Consumer Lending Officer
- Credit Analyst
- Loan Officer
- Relationship Officer
- Credit Risk Officer
- Consumer Lending Team Lead.