About Company
Ecobank Transnational Incorporated (ETI), commonly known as Ecobank, is a leading pan-African banking group with operations in 33 African countries. Founded in Lomé, Togo, where it is headquartered, Ecobank is committed to building a world-class African bank that contributes to the financial integration and development of the continent. We offer a comprehensive suite of banking products and services, including wholesale, retail, investment, and transaction banking, to governments, financial institutions, multinationals, local companies, and individuals. Our mission is to provide convenient, accessible, and reliable financial solutions that empower our customers and foster economic growth across Africa. Join Ecobank and be part of a team dedicated to innovation, customer satisfaction, and making a tangible impact on local communities.
Job Description
Are you a proactive, results-driven professional with a passion for finance and a knack for building strong client relationships? Ecobank is seeking a dynamic and experienced Loan Officer to join our vibrant team in Rumuokwurusi, Port Harcourt, for an immediate start. This is an exceptional opportunity for an individual who thrives in a fast-paced environment and is eager to contribute significantly to our growth and market penetration in the region. As a Loan Officer, you will be at the forefront of our efforts to empower individuals and businesses within the community by providing tailored financial solutions. You will be responsible for identifying potential clients, assessing their financial needs, structuring appropriate loan products, and ensuring timely disbursement and effective monitoring. This role requires a strong understanding of credit principles, excellent negotiation skills, and a commitment to achieving set targets while maintaining the highest standards of customer service and ethical conduct. If you are ready to make an immediate impact and grow your career with a leading pan-African bank, we encourage you to apply.
Key Responsibilities
- Proactively identify and attract new individual and business clients requiring lending facilities within the Rumuokwurusi market and beyond.
- Conduct thorough financial analysis, credit assessments, and due diligence on loan applications to determine creditworthiness and mitigate risks.
- Prepare comprehensive loan proposals and present them to the credit committee, ensuring all necessary documentation is accurate and complete.
- Ensure strict adherence to Ecobank's lending policies, procedures, and all relevant regulatory requirements throughout the loan lifecycle.
- Manage and monitor a portfolio of loans, ensuring timely repayments and proactively addressing any potential delinquencies.
- Develop and maintain strong, long-term relationships with clients, providing ongoing financial advisory and support.
- Achieve and consistently exceed challenging monthly and quarterly loan disbursement and portfolio quality targets.
- Actively cross-sell other Ecobank products and services, identifying opportunities to meet clients' broader financial needs.
- Stay informed about local market trends, competitor activities, and economic developments that may impact the lending business.
- Participate in community engagement activities to enhance Ecobank's brand presence and foster goodwill.
Required Skills
- Minimum of 3 years of progressive experience in sales, business development, or lending within the financial services sector.
- Demonstrable track record of meeting and exceeding sales or loan origination targets.
- Robust analytical, numerical, and financial modeling skills with a keen eye for detail.
- Exceptional communication, interpersonal, and negotiation skills, with the ability to build rapport quickly.
- Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint) and general banking software.
- Strong understanding of credit risk management principles and lending products.
- Ability to work independently and effectively within a team-oriented, target-driven environment.
- High level of integrity, professionalism, and ethical conduct.
- A customer-centric approach with a commitment to delivering outstanding service.
Preferred Qualifications
- Bachelor's degree in Banking and Finance, Economics, Accounting, Business Administration, or a closely related field.
- Professional certification in credit management, banking, or sales.
- Familiarity with the local market dynamics and business landscape in Port Harcourt, particularly Rumuokwurusi.
- Ability to communicate effectively in local languages prevalent in Port Harcourt (e.g., Ikwerre, Igbo) is a significant advantage.
- Experience using CRM software and other banking platforms.
Perks & Benefits
- Highly competitive salary package coupled with attractive performance-based incentives.
- Comprehensive health and life insurance coverage.
- Significant opportunities for professional growth and career advancement within a leading pan-African banking group.
- Access to continuous learning and development programs, including specialized credit training.
- Employee wellness initiatives and a supportive work environment.
- The chance to make a real impact on financial inclusion and economic development in the community.
How to Apply
Interested and qualified candidates are encouraged to apply by clicking on the application link below. Please ensure your CV and cover letter clearly highlight your relevant experience, particularly in loan origination and client relationship management, and articulate why you are an ideal fit for this immediate start role at Ecobank.