About Company
Access Bank Plc is a leading full-service commercial bank operating through a network of more than 600 branches and service outlets, spanning three continents, 12 countries, and 31 million customers. The bank offers a comprehensive range of banking and financial services to corporate, commercial, and retail customers. With a strong commitment to sustainable banking practices and digital innovation, Access Bank is dedicated to empowering its customers and driving economic growth across Africa and beyond. We are a forward-thinking institution, constantly seeking passionate and talented individuals to join our team and contribute to our vision of being Africa’s Gateway to the World.
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Job Description
We are seeking a highly motivated and experienced Loan Officer to join our dynamic team in Ketti, Abuja. The successful candidate will be responsible for identifying, developing, and managing a portfolio of credit clients, with a strong focus on driving business growth and maintaining excellent customer relationships. This role requires a professional with a proven track record in the banking sector, possessing strong analytical skills, a deep understanding of credit principles, and the ability to assess financial risk effectively. As an experienced Loan Officer, you will play a crucial role in expanding our credit offerings, ensuring compliance with regulatory guidelines, and contributing to the bank’s overall financial objectives. You will be expected to work autonomously, demonstrate initiative, and exhibit strong problem-solving capabilities to meet demanding targets while upholding the highest standards of customer service and ethical conduct. This is an excellent opportunity for a seasoned professional to make a significant impact within a leading financial institution, contributing to both personal career growth and the bank’s strategic success in a competitive market.
Key Responsibilities
- Source and acquire new loan clients, building and maintaining a robust pipeline of potential borrowers within the Ketti area and broader Abuja market.
- Conduct thorough financial analysis and credit appraisal of loan applications, ensuring compliance with the bank's credit policies and regulatory requirements.
- Structure, negotiate, and approve credit facilities within delegated authority limits, or recommend to higher authority where necessary.
- Manage and monitor existing loan portfolios to ensure timely repayments, identify potential risks, and implement effective mitigation strategies.
- Develop and maintain strong, lasting relationships with customers, understanding their financial needs and cross-selling other banking products and services.
- Prepare comprehensive credit reports, memos, and presentations for management review.
- Stay updated with market trends, economic conditions, and regulatory changes affecting the lending landscape.
- Contribute to the achievement of team and individual lending targets and profitability goals.
Required Skills
- Minimum of 3 years of proven experience as a Loan Officer or in a similar credit-related role within the banking sector.
- Strong understanding of credit analysis, financial statements, and risk assessment methodologies.
- Excellent sales, negotiation, and relationship management skills.
- Proficiency in Microsoft Office Suite, especially Excel for financial modeling.
- Sound knowledge of relevant banking regulations and compliance standards in Nigeria.
- Exceptional communication (written and verbal) and interpersonal skills.
- Ability to work independently and as part of a team in a fast-paced environment.
Preferred Qualifications
- Bachelor's degree in Banking and Finance, Economics, Business Administration, or a related field.
- Relevant professional certifications (e.g., CIBN, ACCA, CFA, or similar).
- Master's degree in a related discipline.
- Experience with banking software and CRM systems.
- Local market knowledge of Ketti, Abuja, and its surrounding business environment.
Perks & Benefits
- Competitive salary and performance-based bonuses.
- Comprehensive health insurance package.
- Generous pension scheme.
- Opportunities for professional development and career advancement.
- Work-life balance initiatives.
- Staff loan facilities at preferential rates.
- Supportive and collaborative work environment.
How to Apply
Interested and qualified candidates are encouraged to apply by clicking on the link below. Please ensure your application highlights your relevant experience in the banking sector and your proficiency in credit analysis.
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