About Company
Lapo Microfinance Bank is a leading financial institution dedicated to empowering low-income individuals and small businesses across Nigeria. With a mission to alleviate poverty and promote economic self-reliance, we provide a range of accessible financial services including micro-loans, savings, and financial literacy programs. For over three decades, Lapo has been at the forefront of driving financial inclusion, fostering entrepreneurship, and supporting sustainable development in communities nationwide. We believe in the potential of every individual and are committed to offering the tools and opportunities needed to transform lives. Join our team and be part of an organization that makes a tangible difference every day.
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Job Description
Are you passionate about making a real impact in your community by fostering economic growth and financial inclusion? Lapo Microfinance Bank is seeking a dedicated and results-oriented Loan Officer to join our dynamic team in Birnin Kebbi. In this crucial role, you will be the face of Lapo, connecting directly with entrepreneurs, small business owners, and individuals who need financial support to realize their dreams. You will be responsible for building strong relationships within the community, identifying potential clients, assessing their financial needs, and guiding them through our loan application and repayment processes.
This position is perfect for someone who possesses strong interpersonal skills, a keen eye for detail, and a deep understanding of local market dynamics. You will work closely with clients, providing them not just with loans, but also with valuable financial advice and support, ensuring their success and our continued growth. Your ability to communicate effectively, manage a portfolio, and navigate diverse situations with empathy and professionalism will be key to your success. If you are looking for a career where your efforts directly contribute to poverty alleviation and community development, then we encourage you to apply.
Key Responsibilities
- Identify, recruit, and onboard new clients within the designated operational area.
- Conduct thorough credit assessments, including business evaluations, to determine loan eligibility and capacity.
- Prepare and present loan proposals to management for approval.
- Disburse approved loans to clients and ensure proper documentation is completed.
- Monitor loan utilization, track repayment schedules, and follow up on overdue payments.
- Provide financial advisory services and support to clients, ensuring their business success.
- Maintain accurate and up-to-date client records and loan portfolio information.
- Generate regular reports on loan performance, client outreach, and portfolio quality.
- Participate in community engagement activities to promote Lapo's products and services.
- Adhere strictly to Lapo Microfinance Bank's policies, procedures, and regulatory guidelines.
Required Skills
- Strong communication and interpersonal skills
- Excellent analytical and problem-solving abilities
- Proven sales and customer service orientation
- Basic financial literacy and understanding of business principles
- Proficiency in Microsoft Office Suite (Word, Excel) and basic computer usage
- Ability to work independently and as part of a team in a fast-paced environment
- High level of integrity and ethical conduct
Preferred Qualifications
- A Bachelor's degree or HND in Banking & Finance, Economics, Business Administration, or a related field.
- Previous experience (1-2 years) in microfinance, banking, or a related lending role.
- Proficiency in local languages spoken in Birnin Kebbi (e.g., Hausa, Fulfulde).
- Knowledge of the Birnin Kebbi local market and socio-economic landscape.
Perks & Benefits
- Competitive salary and performance-based incentives
- Comprehensive health insurance package
- Pension scheme contribution
- Opportunities for professional development and career advancement
- Transport allowance
- A supportive and collaborative work environment
How to Apply
Interested and qualified candidates are encouraged to apply by clicking on the application link below. Please ensure your CV is up-to-date and highlights your relevant experience and skills. We look forward to reviewing your application and potentially welcoming you to the Lapo Microfinance Bank family.
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