About Company
Zenith Bank Plc is a leading Nigerian financial institution with a strong commitment to delivering excellent customer service and innovative financial solutions. Established in May 1990, Zenith Bank has grown to become one of the largest and most profitable banks in Nigeria, known for its technological prowess, robust financial performance, and ethical business practices. We are dedicated to empowering our employees, fostering a culture of continuous learning, and contributing positively to the communities we serve. Our Gwarimpa branch in Abuja is a cornerstone of our operations in the Federal Capital Territory, serving a diverse clientele with a wide range of banking products and services. Join a team where your expertise is valued, and your career growth is prioritized.
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Job Description
We are seeking an accomplished and highly motivated Experienced Loan Officer to join our dynamic team at our Gwarimpa, Abuja branch. This is a pivotal role for an individual with a proven track record in credit origination, assessment, and portfolio management within the banking sector. As an Experienced Loan Officer, you will be instrumental in driving our lending initiatives, building strong client relationships, and contributing significantly to the bank’s growth and profitability. You will be responsible for identifying viable lending opportunities, meticulously evaluating creditworthiness, structuring competitive loan packages, and ensuring the timely recovery of funds while adhering strictly to the bank’s credit policies and regulatory guidelines. This role offers a unique opportunity to work with a diverse client base, including individuals, SMEs, and corporate entities, providing tailored financial solutions that meet their specific needs. If you are a results-oriented professional with exceptional analytical skills, a strong ethical compass, and a passion for empowering businesses and individuals through strategic financing, we invite you to become a vital part of Zenith Bank’s success story.
Key Responsibilities
- Identify, attract, and onboard new loan clients (individuals, SMEs, corporate) through proactive marketing and networking activities.
- Conduct thorough financial analysis, risk assessments, and due diligence on loan applications.
- Structure and negotiate competitive loan terms and conditions that align with bank policies and client needs.
- Prepare comprehensive credit proposals for review and approval by the relevant authorities.
- Manage and monitor an assigned loan portfolio, ensuring timely repayment and identifying potential risks.
- Provide expert financial advice and excellent customer service to existing and prospective clients.
- Collaborate with internal teams, including legal, operations, and risk management, to ensure seamless loan processing and compliance.
- Stay abreast of market trends, competitor activities, and regulatory changes within the financial sector.
- Contribute to the achievement of individual and branch loan growth and profitability targets.
- Ensure strict adherence to the bank’s credit policy, operational procedures, and regulatory requirements.
Required Skills
- Minimum of 3 years of progressive experience as a Loan Officer or in a similar credit-related role within a reputable commercial bank or financial institution.
- Proven ability to analyze financial statements, assess credit risk, and make sound lending decisions.
- Strong understanding of banking products, services, and credit policies.
- Excellent sales, negotiation, and relationship management skills.
- Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
- Exceptional communication (written and verbal) and interpersonal skills.
- Demonstrated ability to work independently and as part of a team to achieve targets.
- High level of integrity, professionalism, and attention to detail.
Preferred Qualifications
- Master's degree in Finance, Banking, Business Administration, or a related field.
- Relevant professional certifications (e.g., CIBN, ACCA, CFA).
- Experience with credit management software and CRM systems.
- Existing network of potential clients within Gwarimpa or Abuja.
Perks & Benefits
- Competitive salary and performance-based incentives.
- Comprehensive health insurance coverage.
- Pension scheme and other retirement benefits.
- Opportunities for continuous professional development and career advancement.
- Access to a supportive and collaborative work environment.
- Training and mentorship programs.
- Work-life balance initiatives.
How to Apply
Interested and qualified candidates are encouraged to apply by clicking on the application link below. Please ensure your resume highlights your relevant experience and qualifications for this role. Only shortlisted candidates will be contacted for an interview.
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