Field Loan Officers

Job Title: Field Loan Officer

Location: Lagos, Nigeria
Industry: Financial Services / Microfinance
Work Structure: Onsite

About the Company
Our client is a reputable financial services institution committed to providing accessible financial solutions to individuals, small businesses, and underserved communities. The organization operates within a regulated environment and is focused on promoting financial inclusion through responsible lending, excellent customer service, and strong operational standards.


About the Role
The Field Loan Officer will be responsible for sourcing, assessing, and managing loan opportunities within assigned communities and business clusters. The role involves engaging directly with prospective clients, conducting credit assessments, and ensuring proper loan utilization and repayment.

You will play a key role in expanding the institution's loan portfolio while maintaining high credit quality standards and building strong relationships with customers.


Key Responsibilities

Loan Sourcing & Client Acquisition

• Identify and engage potential borrowers including individuals, traders, and small business owners

• Promote the organization's loan products within assigned locations and business clusters

• Build and maintain strong relationships with clients to support business growth and customer retention

• Conduct field visits and market outreach activities to generate new loan opportunities
  

Credit Assessment & Loan Processing

• Conduct preliminary credit assessments of loan applicants

• Collect and verify client documentation required for loan processing

• Evaluate applicants' repayment capacity and business viability

• Prepare and submit loan applications and supporting documents for approval

Loan Monitoring & Portfolio Management

• Monitor loan utilization to ensure funds are used for approved purposes

• Track repayment schedules and follow up with clients to ensure timely repayment

• Proactively manage delinquent accounts and support recovery efforts where necessary

• Maintain a healthy loan portfolio with minimal default risk

Reporting & Documentation

• Maintain accurate records of client interactions, loan applications, and repayment activities

• Prepare periodic field and loan performance reports for management review

• Ensure proper documentation and filing of all loan-related records

• Provide regular updates on client feedback, market trends, and loan portfolio performance

Reporting Structure

• Reports To: Branch Manager / Credit Manager

Qualifications / Experience

• Bachelor's degree or HND in Business Administration, Finance, Economics, or related field

• Minimum of 2–4 years experience in microfinance, credit administration, sales, or field-based financial services roles

• Experience in loan sourcing, credit assessment, or micro-lending operations is an advantage

• Familiarity with local markets, small businesses, and community lending practices

Skills and Competencies

• Strong interpersonal and relationship management skills

• Good understanding of credit risk assessment and loan monitoring

• Ability to work independently and conduct field-based activities

• Strong negotiation and persuasion abilities

• Good record-keeping and documentation skills

• High level of integrity and accountability

• Basic analytical and problem-solving skills