Loan Officer (Fintech) Job at Kredi Bank

Kredi bank is a full service digital bank building a one-stop shop for digital financial services in Africa. Kredi is focused on making financial service products easy to use and fully accessible to consumers. We are fully licensed by the central bank of Nigeria. We are building a platform that allows users all key aspects of their financial lives.

We are recruiting to fill the position below:

Job Position: Loan Officer (Fintech)

Job Location: Lagos, Nigeria
Job type: Full time

Job Overview

• We are seeking diligent and customer-focused Loan Officers to evaluate, authorize, and recommend approval of loan applications. 
• The Loan Officer will play a critical role in helping clients access financial services while minimizing risk for the organization.

Key Responsibilities

• Actively source potential clients through fieldwork, referrals, and digital channels.
• Interview loan applicants to determine financial eligibility and feasibility of granting loans.
• Evaluate the creditworthiness of applicants by processing loan applications and financial information.
• Advise clients on financial products, terms, and repayment plans.
• Maintain accurate records of loan applications, approvals, rejections, and disbursements.
• Perform risk assessments and analysis to determine loan terms and interest rates.
• Present loan proposals to management for approval where required.
• Monitor and manage a portfolio of existing loans to ensure timely repayment and resolve defaults when necessary.
• Ensure compliance with company policies, lending procedures, and regulatory requirements.
• Provide excellent customer service throughout the loan process.

Qualifications

• Bachelor's Degree in Finance, Business Administration, Economics, or related field.
• Proven experience as a loan officer, credit analyst, or similar role (experience in microfinance, fintech, or traditional banking is a plus).
• Strong understanding of lending procedures, credit risk analysis, and financial documentation.
• Good negotiation and interpersonal skills.
• Excellent written and verbal communication abilities.
• High attention to detail and analytical skills.
• Ability to work under pressure and meet deadlines.
• Proficiency in Microsoft Office and familiarity with loan management software (LMS) is an advantage.

Key Competencies:

• Financial analysis and credit evaluation.
• Risk management.
• Customer service excellence.
• Problem-solving and decision-making.
• Organizational and time management skills.

Compensation:

• Competitive salary.
• Performance-based incentives and bonuses.
• Health insurance and other standard benefits.
• Career growth and training opportunities.

Method of Application
Interested and qualified candidates should send their CV to: jobs@thekredibank.com using the Job Position as the subject of the mail.