About Company
Fidelity Bank Plc is a full-fledged commercial bank operating in Nigeria, with a robust network of over 200 business offices and ATMs nationwide. Recognized for its unwavering commitment to customer satisfaction, digital innovation, and sustainable practices, Fidelity Bank stands as a leading financial institution dedicated to empowering individuals, small businesses, and corporations through diverse and bespoke financial solutions. We are a dynamic and forward-thinking organization that prides itself on nurturing talent, fostering a collaborative work environment, and making a significant positive impact on Nigeria’s economic landscape. Join our team and contribute to shaping the future of banking.
Job Description
Are you a highly driven and results-oriented financial professional with a passion for connecting individuals and businesses with their financial aspirations? Fidelity Bank is actively seeking a motivated Loan Officer to join our vibrant team in Old GRA, Port Harcourt. This is an immediate start opportunity for an individual eager to make a substantial impact within one of Nigeria’s leading and most respected financial institutions.
As a Loan Officer at Fidelity Bank, you will be at the forefront of our customer engagement, playing a critical role in originating, evaluating, and processing various loan applications. Your primary responsibility will be to meticulously assess client needs, identify appropriate financial products, and guide our valued customers through the entire lending process with unparalleled expertise and integrity. This involves not only understanding their immediate financial requirements but also building and nurturing long-term relationships, becoming a trusted advisor in their financial journey.
Your day-to-day will involve conducting thorough financial analysis, including reviewing credit histories, financial statements, and collateral, to assess creditworthiness and potential risks. You will be responsible for preparing comprehensive credit proposals, ensuring compliance with the bank’s lending policies, risk assessment guidelines, and regulatory frameworks. A key aspect of this role also includes proactively identifying potential clients, cultivating new business relationships, and effectively cross-selling other complementary bank products and services where appropriate to maximize value for both the client and the bank. We are looking for someone who thrives in a target-driven environment, possesses exceptional communication and negotiation skills, and has a proven track record in sales and customer service within the financial sector.
Fidelity Bank offers a stimulating and supportive work environment where innovation is celebrated, and professional growth is a priority. You will have access to continuous training programs, mentorship opportunities, and clear career progression paths within the organization. If you are passionate about empowering dreams through strategic financial solutions, possess a keen eye for detail, and are ready to contribute to a bank that truly values its people and its customers, then this is the perfect opportunity for you. Join Fidelity Bank and be a part of a team that is dedicated to redefining banking excellence in Nigeria.
Key Responsibilities
- Originate, evaluate, and process various types of loan applications (personal, business, mortgage, etc.).
- Conduct thorough financial analysis, credit assessments, and risk evaluations of potential borrowers.
- Build and maintain strong, lasting relationships with clients, understanding their financial needs and offering suitable solutions.
- Proactively identify and cultivate new business opportunities to grow the bank's loan portfolio.
- Achieve and exceed monthly and quarterly sales targets for loan origination and other banking products.
- Ensure strict adherence to the bank's credit policies, lending guidelines, and regulatory compliance standards.
- Prepare comprehensive credit proposals and present recommendations to management.
- Monitor existing loan portfolios to ensure timely repayments and identify potential issues.
- Provide exceptional customer service and resolve client inquiries promptly and efficiently.
Required Skills
- Proven experience in loan origination and credit assessment.
- Strong sales, negotiation, and relationship management skills.
- Excellent written and verbal communication abilities.
- Sound knowledge of banking products, services, and lending principles.
- Proficiency in financial analysis and interpretation.
- High level of attention to detail and accuracy.
- Ability to work independently and as part of a team.
- Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
Preferred Qualifications
- Bachelor's degree in Finance, Economics, Business Administration, or a related field.
- Relevant professional certifications (e.g., CIBN, ICAN).
- Experience with banking software and CRM systems.
- Strong understanding of the local market and competitive landscape in Port Harcourt.
Perks & Benefits
- Competitive salary and performance-based incentives.
- Comprehensive health insurance package.
- Robust pension scheme.
- Opportunities for professional development and career advancement.
- Paid time off and holidays.
- Supportive and collaborative work environment.
- Access to internal training programs and workshops.
How to Apply
To apply for this exciting opportunity, please click on the application link below. We encourage all qualified candidates to submit their applications promptly. Fidelity Bank is an equal opportunity employer and values diversity.