SME Loan Officer (Lagos) at Lendha

Job Description

• The role's primary focus is to maximize revenue for LENDHA by proactively building a portfolio of quality risk assets and liabilities, and actively promoting and marketing our products and services while also ensuring the products are appropriately positioned and priced to be competitive.
• Assess customer needs, explore all options, and introduce different types of loans
• Develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish quotas
• Build long-term, trusting relationships with customers.
• Ensure customer satisfaction at the highest possible level.
• Manage the debt collection processes and work with analysts to develop, recommend, and enact payment plans to eliminate client debt in an agreed timeframe aligned with Lendha’s collections policy.
• Debt Settlements: Accurately maintain client records and manage all past due accounts and determine the appropriate collection action to be taken for each individual client.
• Collect delinquent accounts by contacting customers via telephone, email, and visiting the place of business.
• Compile daily, weekly, and monthly reports on the status of delinquent accounts, collection activity, and accounts receivable status.
• Report progress of collections to Supervisor, make recommendations for next steps and write-offs.
• Customer Acquisition: Present, promote and sell Lendha’s products using solid negotiations to existing and prospective clients across relevant sectors, including but not limited to companies in the e-commerce, consumer goods, healthcare, and financial services industries.
• Loan Portfolio Growth: Support the evaluation of loans given to customers by ensuring that credit appraisals are completed properly and uphold monitoring of accounts to identify outstanding debts.
• Review terms of contract and service with client and clearly communicate various payment options.
• Work cooperatively with other departments to best determine how to balance both the customer's and Lendha's needs.

Qualifications

• Bachelor's or Higher National Diploma in any discipline from an accredited polytechnic or University with NYSC discharge certificate or NYSC Exclusion Letter.
• Minimum of 2 Years working experience in microfinance bank sector 
• Good relationship and communication skills with strong team spirit
• Strong analytical skills
• Good computer skills
• Real motivation to work and grow in a performance-based environment
• Taste for fieldwork.

Additional Knowledge / Skills Required:

• Practical knowledge of micro / small/medium businesses
• Good writing skills
• Knowledge of the major local languages
• Must live in Lagos
• Good Knowledge of the territory.

Why Join Us?

• Opportunity to work with a talented and passionate team.
• Work on exciting and challenging projects with the latest technologies.
• Flexible work environment.
• Competitive salary and benefits package.