About Company
Union Bank of Nigeria Plc is a leading financial institution with a rich history spanning over a century. Established in 1917, we are one of Nigeria’s most respected and enduring banks, committed to building a brighter future for generations. Our vision is to be Nigeria’s most reliable and trusted partner, empowering individuals, businesses, and communities to achieve their financial goals. We pride ourselves on a culture of excellence, integrity, and customer-centricity, offering a comprehensive suite of banking products and services that cater to diverse needs. Join Union Bank and be part of a legacy of innovation and impact, contributing to the economic growth and development of Nigeria.
Job Description
Are you a highly motivated and results-driven individual with a passion for helping people achieve their financial aspirations? Union Bank is seeking a dedicated and experienced Loan Officer to join our dynamic team in Ikot Nkan, Calabar. This is an exceptional opportunity to make a tangible impact by facilitating access to critical financial resources for individuals and small to medium-sized enterprises within our vibrant community.
As a Loan Officer at Union Bank, you will be at the forefront of our customer engagement, responsible for building strong relationships, assessing financial needs, and guiding clients through the loan application process. You will play a crucial role in evaluating creditworthiness, structuring loan proposals, and ensuring compliance with the bank’s lending policies and regulatory requirements. We are looking for someone with a keen eye for detail, excellent analytical skills, and a genuine commitment to providing exceptional customer service.
This role requires an individual who can thrive in a target-driven environment, consistently meeting and exceeding lending goals while maintaining the highest standards of ethical conduct. You will be instrumental in identifying new business opportunities, expanding our loan portfolio, and deepening existing customer relationships. Union Bank fosters an environment of continuous learning and professional development, offering robust training programs and career progression paths. If you are ready to leverage your financial expertise to empower individuals and businesses, contributing directly to their success and the economic vitality of Ikot Nkan, Calabar, then we encourage you to apply. Come and be a part of an institution that truly cares about its people and the communities it serves.
Key Responsibilities
- Develop and maintain strong relationships with potential and existing clients to understand their financial needs and offer appropriate loan products.
- Evaluate loan applications by gathering and analyzing financial information, credit histories, and other relevant data.
- Assess creditworthiness and risk factors, making informed recommendations on loan approvals or rejections.
- Prepare comprehensive loan proposals, ensuring accuracy and adherence to Union Bank's lending policies and procedures.
- Guide clients through the entire loan application and approval process, providing clear explanations and excellent customer service.
- Achieve assigned individual and team loan targets and growth objectives.
- Monitor loan performance and conduct regular follow-ups with clients to ensure timely repayments.
- Stay updated on market trends, competitive offerings, and regulatory changes within the financial services industry.
- Identify and pursue new business opportunities to expand the bank’s loan portfolio in the Ikot Nkan, Calabar region.
- Ensure full compliance with all banking regulations, internal policies, and ethical standards.
Required Skills
- Proven experience as a Loan Officer or in a similar lending role within a financial institution.
- Strong understanding of lending principles, credit analysis, and risk management.
- Excellent communication, negotiation, and interpersonal skills.
- Demonstrated ability to build and maintain client relationships.
- Proficiency in financial software and Microsoft Office Suite (Word, Excel, PowerPoint).
- Results-oriented with a strong track record of achieving sales/lending targets.
- High level of integrity, professionalism, and ethical conduct.
- Ability to work independently and as part of a team in a fast-paced environment.
Preferred Qualifications
- Bachelor's degree in Banking and Finance, Economics, Business Administration, or a related field.
- Professional certification in banking or finance (e.g., CIBN, ACCA, CFA).
- In-depth knowledge of the local Ikot Nkan, Calabar market and community.
- Familiarity with various types of loans (e.g., personal, SME, mortgage) and their specific requirements.
- Existing network of potential clients or business contacts in the region.
Perks & Benefits
- Competitive salary and performance-based incentives.
- Comprehensive health insurance and wellness programs.
- Opportunities for professional development and career advancement.
- Generous paid time off and holidays.
- Pension scheme and other retirement benefits.
- Supportive and collaborative work environment.
- Employee banking benefits.
How to Apply
Interested and qualified candidates are encouraged to apply by clicking on the application link below. Please ensure your resume highlights your relevant experience and qualifications for this role. We look forward to reviewing your application.