Retail & SME Loan Credit Officer at LEAD Enterprise Support Company Limited

Job Summary

The Retail & SME Loan Credit Officer will drive business growth by working closely with the Unit Head to identify high-potential commercial loan opportunities, develop competitive products, and mobilize resources to secure a strong market presence. Success in this role will be measured by the ability to consistently win new business, expand the customer base, and maximize revenue, while ensuring that the Portfolio at Risk (PAR) remains below 5.0% to ensure sound credit quality and sustainability.

Key Responsibilities

• Identify and develop new loan opportunities through market analysis and referral networks
• Engage prospects, evaluate creditworthiness, and structure suitable loan products
• Guide clients through the loan process, compute repayment schedules, and provide financial advice
• Monitor loan performance, follow up with clients, and ensure credit facilities are properly utilized
• Review loan agreements, maintain accurate records, and safeguard collaterals

Requirements

• Bachelor's degree in Business, Finance, Economics, or related field
• 3–4 years' experience in lending, credit, or financial services
• Strong credit analysis and risk management skills
• Excellent communication, negotiation, and client relationship skills
• Solid understanding of financial statements and ability to conduct cash flow and repayment capacity analysis
• Strong interpersonal and negotiation skills with the ability to build lasting client relationships
• Proficiency in MS Office applications (Excel, Word, PowerPoint)
• Target-driven with high integrity and strong attention to detail

Location

Lagos, Nigeria