EXCEL AND GRACE CONSULTING is a key player in financial & business consulting; providing financial advisory services to people and organizations in Nigeria. Endowed with seasoned Consultants in Human Capital Development, Business Development, Accounting, Operations Management, Project management, Banking, Marketing, Brand Development, and so many other fields, Excel and Grace has adequately positioned itself as a solution provider.
EXCEL & GRACE is a wholly indigenous (Nigerian) and privately owned company registered as an enterprise in 2000 and incorporated in 2004 under the companies and allied matters decree of Nigeria, 1968.
With our core values which we constantly pursue to substantiate, we believe that our clients operate on a continuum of policies and procedures which constantly shape the outcome of their overall objective. This is why we don’t just take up a client and suggest according to perceived solutions; BUT rather we undertake a thorough study of who they are, their compositions and the environment they operate in before proffering a solution. We do this painstakingly, knowing that no two organizations are exactly the same even if they operate within the same industry or environment.
This is why in the last 10 years of our reasonable exposure in consulting, we have engaged professionalism and consistently maintain high standards in our operations. We have over time helped businesses explore opportunities, manage and sustain growth with good returns.Job Summary
The Loan Officer is responsible for the entire loan lifecycle, from initial client assessment and loan application processing to disbursement, monitoring, and recovery.
The role requires strong analytical, interpersonal, and communication skills, as well as a deep understanding of credit risk and lending policies.
Key Responsibilities
Actively source and acquire new clients within the target market.
Build and maintain strong relationships with existing clients.
Conduct thorough client interviews and needs assessments.
Educate clients on loan products, terms, and conditions.
Collect and analyze client financial information, including income statements, balance sheets, and cash flow projections.
Assess creditworthiness and determine loan eligibility based on established criteria.
Prepare loan applications and supporting documentation.
Present loan applications to the Credit Committee for approval.
Disburse approved loans to clients in accordance with bank policies and procedures.
Monitor loan performance and ensure timely repayments.
Implement appropriate recovery strategies for delinquent loans.
Initiate legal action for non-performing loans as necessary.
Maintain accurate and up-to-date client records.
Ensure compliance with all relevant banking regulations and internal policies.
Prepare regular reports on loan portfolio performance.
Participate in training and development programs to enhance skills and knowledge.
Qualifications
High school diploma from a reputable institution
1-2 years of experience in microfinance lending or a related field.
Strong analytical and problem-solving skills.
Excellent communication and interpersonal skills.
Proficiency in Microsoft Office Suite.