Loan Officer

Caesarea Schools Staff Association is an association affiliated with Caesarea Schools, a co-educational Christian institution committed to developing future leaders through innovative education, strong values and service.

The Association supports staff welfare and enterprise-development initiatives, including responsible access to credit for eligible staff and verified small-business owners.

Role Description

The Loan Officer is a full-time hybrid role based in Ibadan. The successful candidate will manage loan applications from initial assessment through approval, disbursement, monitoring and repayment.

Key responsibilities include:

• Receiving and reviewing loan applications.
• Collecting and verifying applicants’ financial and business information.
• Assessing income, business turnover, existing obligations and repayment capacity.
• Conducting or coordinating workplace and business-location verification.
• Recommending appropriate loan amounts and repayment terms.
• Explaining loan products, charges and repayment obligations clearly.
• Maintaining accurate application, repayment and customer records.
• Monitoring active loans and following up professionally on overdue repayments.
• Preparing periodic reports on applications, approvals, repayments and outstanding loans.
• Supporting improvements to the Association’s lending and customer-service processes.

Qualifications

• Previous experience as a Loan Officer, Credit Officer, Relationship Officer or in a similar lending role.
• Knowledge of loan origination, credit assessment, underwriting and repayment monitoring.
• Ability to interpret financial information and evaluate creditworthiness.
• Strong analytical skills, attention to detail and sound judgement.
• Excellent communication, customer-service and relationship-management skills.
• High level of integrity, confidentiality and accountability.
• Ability to work independently and use digital documentation and communication tools.
• Willingness to conduct field visits within Ibadan when required.
• Familiarity with microfinance, SME lending or market-retailer lending is an advantage.
• Knowledge of Ibadan markets and the ability to communicate in Yoruba are added advantages.
• Degree or diploma in Finance, Accounting, Economics, Business Administration or a related discipline, or equivalent professional experience.