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Relationship Officer
About this role
A Relationship Officer at EdFin Microfinance Bank in Lagos promotes bank products, sources new clients and builds a portfolio of quality borrowers. The role involves engaging with community groups and entrepreneurs, explaining loan programs, and conducting loan evaluations in line with bank policies. You will participate in credit committee discussions, present proposals, and provide ongoing customer service and relationship management to support client business growth. The position focuses on client acquisition, loan assessment, repayment monitoring, and community engagement to raise the bank’s profile in the assigned area.
What you would do
- Promote bank products and originate new clients
- Build and maintain a portfolio of quality clients to meet targets
- Liaise with community organisations and entrepreneurs to identify potential clients
- Explain loan procedures, terms, incentives and penalties to potential clients
- Conduct loan evaluations according to policies and procedures
- Assess clients’ capacity and willingness to repay loans
- Complete loan applications and evaluations accurately
- Conduct business site visits and verify information for loan assessments
- Present loan terms and conditions to the credit committee
- Provide high-quality customer service and maintain client relationships
What they are asking for
- Minimum of HND or BSc in Business, Banking, Finance, Accounting, Economics or related fields
- Must have completed NYSC
- Understanding of the local area of operation
- Strong interpersonal skills
- Ability to develop financial analysis skills
- Ability to assess client character
- Computer literacy
- Ability to work independently with honesty and integrity
- Experience in credit or financial services is an asset
- KPI focus on client retention, new client acquisitions and revenue from upselling/cross-selling
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