Job Description
Description • The Graduate Trainee – Consumer Lending Program is designed to develop young professionals into competent consumer lending and credit specialists.
• The program provides hands-on experience in customer acquisition, loan origination, credit assessment, portfolio management, and customer relationship management.
• Trainees will undergo structured training while supporting the organization's efforts to provide responsible lending solutions and achieve business growth objectives.
Key Responsibilities
• Participate actively in all training, coaching, and development activities.
• Identify and onboard eligible customers for consumer loan products.
• Generate leads and build a pipeline of prospective borrowers.
• Educate customers on available loan products, requirements, and repayment terms.
• Assist in the collection and verification of customer documentation.
• Conduct preliminary customer profiling and financial assessments.
• Support credit appraisal and loan processing activities.
• Follow up with customers throughout the loan application and disbursement process.
• Maintain accurate customer records and lending documentation.
• Monitor loan portfolios and support repayment tracking activities.
• Assist in managing delinquent accounts and recovery efforts where necessary.
• Build and maintain strong relationships with customers and corporate partners.
• Prepare daily, weekly, and monthly performance reports.
• Ensure compliance with lending policies, regulatory requirements, and internal procedures.
Key Performance Indicators (KPIs)
• Number of qualified loan applications sourced.
• Loan disbursement volume and value.
• Customer acquisition rate.
• Loan portfolio quality.
• Repayment and collection performance.
• Turnaround time for loan processing.
• Compliance with lending policies and procedures.
• Accuracy and timeliness of reports.
• Training assessment and performance scores.
Requirements
• Bachelor's Degree or HND in Finance, Economics, Accounting, Banking & Finance, Business Administration, Marketing, Statistics, or related disciplines.
• Minimum of Second Class Lower (2:2) or Lower Credit.
• NYSC discharge certificate or exemption certificate.
• Strong interest in consumer lending, credit analysis, and financial services.
• Excellent communication and interpersonal skills.
• Strong analytical and numerical abilities.
• Proficiency in Microsoft Office applications, particularly Excel.
• Ability to work under pressure and meet targets.
• High level of integrity, professionalism, and attention to detail.
• A maximum age of 27 years is an added advantage.
Skills and Competencies:
• Credit Analysis and Risk Assessment
• Customer Acquisition and Relationship Management
• Financial Analysis
• Negotiation and Persuasion Skills
• Communication and Presentation Skills
• Data Analysis and Reporting
• Problem-Solving Ability
• Attention to Detail
• Time Management
• Teamwork and Collaboration
Career Progression:
Successful trainees may progress into roles such as:
• Consumer Lending Officer
• Credit Analyst
• Loan Officer
• Relationship Officer
• Credit Risk Officer
• Consumer Lending Team Lead.
