About Company
Guaranty Trust Holding Company Plc (GTBank) is a leading African financial institution with a deep commitment to delivering excellent customer experiences and innovative financial solutions. Established in 1990, GTBank has grown to become one of the most respected and profitable financial institutions in Nigeria, known for its strong corporate governance, customer-centric approach, and technological advancements. With a rich history of empowering individuals and businesses, GTBank is dedicated to fostering economic growth and creating sustainable value for all stakeholders. Our culture is built on a foundation of professionalism, integrity, and a passion for service, driving us to continuously exceed expectations and set new benchmarks in the banking industry. Joining GTBank means becoming part of a forward-thinking team that values talent, encourages innovation, and provides ample opportunities for professional growth and career development in a dynamic and supportive environment.
Job Description
Are you a highly motivated and results-driven financial professional with a keen eye for detail and a passion for empowering individuals and businesses through strategic lending? GTBank is actively seeking an experienced and dedicated Loan Officer to join our vibrant team in Yaba, Lagos. In this pivotal role, you will be at the forefront of our lending operations, playing a crucial part in assessing creditworthiness, advising clients, and structuring financial products that meet their unique needs.
As a Loan Officer at GTBank, you will be instrumental in driving our mission to foster economic development by providing accessible and tailored financial solutions. You will be responsible for a comprehensive range of activities, from originating new loan applications to managing an existing portfolio, ensuring both customer satisfaction and adherence to our stringent risk management policies. This position requires a proactive individual who can effectively build and maintain client relationships, identify new business opportunities, and contribute positively to the bank’s growth objectives. You will work within a supportive team environment, leveraging GTBank’s robust technological infrastructure and extensive product offerings to deliver best-in-class service.
This is an exceptional opportunity for a skilled professional to make a significant impact within one of Nigeria’s most reputable financial institutions. We are looking for someone who is not just good with numbers but also possesses excellent interpersonal skills, a strong ethical compass, and an unwavering commitment to customer success. If you are ready to take on a challenging yet rewarding role where your expertise will be valued and your career trajectory can soar, we encourage you to apply and become a part of the GTBank family.
Key Responsibilities
- Conduct thorough evaluations of loan applications, including financial statements, credit history, and collateral assessments, to determine eligibility and risk.
- Advise prospective and existing clients on various loan products, terms, and repayment schedules tailored to their financial goals.
- Prepare comprehensive loan proposals and present them effectively to credit committees for approval.
- Cultivate and maintain strong, lasting relationships with clients, providing ongoing support and identifying opportunities for cross-selling other banking products.
- Proactively monitor loan portfolio performance, identify potential risks, and implement strategies for timely recovery and mitigation.
- Ensure strict compliance with all internal bank policies, lending guidelines, and external regulatory requirements set by the Central Bank of Nigeria.
- Actively participate in business development initiatives, marketing campaigns, and community engagement to expand the bank’s loan book and market presence in the Yaba, Lagos area.
- Collaborate seamlessly with other departments such as operations, legal, and risk management to ensure a smooth and efficient loan processing workflow.
- Stay updated on market trends, competitor activities, and changes in the regulatory landscape to provide insightful advice and innovative solutions.
Required Skills
- Proven experience in financial analysis, credit risk assessment, and loan origination.
- Excellent communication, negotiation, and interpersonal skills to build rapport with clients.
- Strong sales acumen with a demonstrated ability to meet and exceed targets.
- Proficiency in banking software, CRM systems, and Microsoft Office Suite (Excel, Word, PowerPoint).
- Thorough knowledge of the Nigerian financial market, lending principles, and regulatory frameworks.
- Exceptional attention to detail and strong organizational and time management abilities.
- Ability to work both independently with minimal supervision and collaboratively within a team-oriented environment.
- Sound decision-making skills and a high level of integrity and professionalism.
Preferred Qualifications
- Relevant professional certifications such as Chartered Institute of Bankers of Nigeria (CIBN) or Institute of Chartered Accountants of Nigeria (ICAN).
- Master’s degree in Finance, Business Administration, Economics, or a related field.
- An existing network of potential clients or business contacts within the Yaba, Lagos business community.
- Experience with specialized lending products, including SME loans, agricultural loans, or mortgage financing.
Perks & Benefits
- Highly competitive salary package and performance-based bonus structure.
- Comprehensive health, dental, and life insurance coverage.
- Robust pension scheme to ensure long-term financial security.
- Extensive opportunities for professional development, training, and career advancement within a leading financial institution.
- Access to innovative banking technologies and modern work tools.
- Supportive and dynamic work environment that fosters collaboration and growth.
- Employee welfare programs and initiatives designed to enhance work-life balance.
How to Apply
Interested and qualified candidates are encouraged to submit their applications by clicking on the link below. Please ensure your resume highlights your relevant experience in lending and financial analysis. Only shortlisted candidates will be contacted for an interview.