Financial Services

Relationship Officer

Retrust Microfinance Bank·Lagos, nigeria·Full Time·Internship
Financial ServicesFull TimeInternship
-

Role Description

  • The Relationship Officer is a full-time, on-site role based in Ikeja.
  • This role is responsible for managing and growing a portfolio of customers by building strong relationships, understanding their financial needs, and offering appropriate microfinance products and services.
  • Daily tasks include identifying new business opportunities, conducting customer visits, explaining loan and savings products, and guiding customers through account opening and loan application processes.
  • The Relationship Officer will follow up on loan repayments, address customer inquiries and concerns, and maintain accurate records of customer interactions.
  • The role also involves working closely with internal teams to ensure efficient service delivery and compliance with bank policies.

Qualifications

  • Ability to manage and grow client portfolios with strong Business Relationship Management skills.
  • Foundational knowledge of Finance and microfinance products, including savings, loans, and basic credit analysis.
  • Strong Communication skills for explaining products, negotiating terms, and maintaining clear documentation.
  • Customer Service skills to provide responsive support, handle complaints professionally, and ensure positive customer experiences.
  • Sales skills to identify prospects, cross-sell relevant products, and meet set targets ethically.
  • Relevant academic background such as a diploma or degree in finance, business, economics, or a related field.
  • Ability to work on-site in Ikeja, meet field visit requirements, and manage time effectively.
  • Proficiency with basic computer applications (e.g., MS Office) and familiarity with banking or CRM systems is an advantage.
  • Previous experience in microfinance, commercial banking, or financial services relationship roles is beneficial.
Apply Now
Send your CV along with a cover letter tocareers@retrustmfb.com

Please use the job title as the subject line of your email.

At a glance

Company

Retrust Microfinance Bank

Location

Lagos, nigeria

Employment

Full Time

Work style

Internship

Experience

Valid until

Not specified

Created

November 13, 2026

More opportunities

Similar roles you might like

Credit Reviewer

Voedsel Capital Ltd

GRA Port Harcourt, Rivers Employment Type: Full-time, Rivers, Nigeria

full-time₦200,000 - ₦250,000 per month

Voedsel Capital Limited is a non-bank financial services company providing structured financial solutions and investment services to individuals and businesses. We are recruiting to fill the position below: Job Title: Credit Reviewer Location: GRA Port Harcourt, Rivers Employment Type: Full-time Job Summary The Credit Review Officer is responsible for assessing, analysing, and validating loan requests to ensure compliance with the company’s credit policies and risk standards. The officer conducts thorough document reviews, evaluates customer creditworthiness, identifies potential risks, and ensures that only quality credit applications are recommended for approval. Key Responsibilities Review all loan applications to ensure completeness and compliance with credit policy. Analyse borrower financials, cash flow, bank statements, and other supporting documents. Verify accuracy and authenticity of submitted documents such as offer letters, affidavits, valuation/Inspection reports, vehicle papers (VIN, engine number, registration documents) Evaluate collateral value, authenticity, and adequacy (vehicle). Ensure all credit reviews adhere to Voedsel Capital’s internal policies, regulatory standards, and industry best practices. Prepare comprehensive credit review reports for management/approval committees Work closely with Credit Relationship Officers, compliance and risk officers to balance growth with prudent risk management. Qualifications/Requirements HND/B.Sc. in Finance, Economics, Accounting, Business Administration, or related field 2–3 years of experience in credit analysis, underwriting, or loan review (financial sector preferred) Knowledge of KYC, risk management, and collateral assessment Excellent quantitative and qualitative analysis skills with keen attention to detail.. High ethical standards and sound judgment in credit decision making. Salary N200,000 - N250,000 / Month.

8 days ago

Credit Analyst

Voedsel Capital Limited

Port-Harcourt, Rivers State, Nigeria, nigeria

Full-time

We are HiringRole: CREDIT REVIEWERLocation: GRA, Portharcourt, Rivers State.The Credit Review Officer is responsible for assessing, analysing, and validating loan requests to ensure compliance with the company’s credit policies and risk standards. The officer conducts thorough document reviews, evaluates customer creditworthiness, identifies potential risks, and ensures that only quality credit applications are recommended for approval.Key Responsibilities Review all loan applications to ensure completeness and compliance with credit policy. Analyse borrower financials, cash flow, bank statements, and other supporting documents. Verify accuracy and authenticity of submitted documents such as offer letters, affidavits, valuation/Inspection reports, vehicle papers (VIN, engine number, registration documents) Evaluate collateral value, authenticity, and adequacy (vehicle). Ensure all credit reviews adhere to Voedsel Capital’s internal policies, regulatory standards, and industry best practices. Prepare comprehensive credit review reports for management/approval committees Work closely with Credit Relationship Officers, compliance and risk officers to balance growth with prudent risk management.Qualifications/Requirements HND/B.Sc. in Finance, Economics, Accounting, Business Administration, or related field 2–3 years of experience in credit analysis, underwriting, or loan review (financial sector preferred) Knowledge of KYC, risk management, and collateral assessment Excellent quantitative and qualitative analysis skills with keen attention to detail.. High ethical standards and sound judgment in credit decision making.Salary Range - 200-250kIf you meet the requirement kindly send your applications to careers@voedselng.com using the role as subject of the email.

9 days ago

Recovery Officer

Fina Trust Microfinance Bank

Oshodi / Ladipo, Trade Fair / Alaba, Lagos Island, Ikeja - Lagos, Nigeria

full-time₦200,000 - ₦350,000 per month

Fina Trust Microfinance Bank, a member of LOLC Group with corporate Head Office in Colombo - Sri Lanka, is one of Nigeria’s foremost Microfinance Banks. Its operating license was secured from the Central Bank of Nigeria (CBN) in September 2009 as a Microfinance Bank. Fina Trust Microfinance Bank has built a resounding success on excellent service delivery in a uniquely customer friendly environment through professional staff, leveraging on world-class technology. A continuous investment in information technology and in people sets the bank apart from others. We are recruiting to fill the position below: Job Title: Recovery Officer Locations: Oshodi / Ladipo, Trade Fair / Alaba, Lagos Island, and Ikeja - Lagos Employment Type: Full-time Job Summary Join Fina Trust Microfinance Bank and be part of a results-driven team committed to building a stronger loan portfolio! Fina Trust Microfinance Bank, a member of the LOLC Group, is seeking dynamic, resourceful and target-driven professionals to join our team as Recovery Officers across our Lagos operations. If you have strong negotiation skills, a passion for achieving results and the ability to manage difficult customer engagements professionally, this opportunity is for you! Key Responsibilities Proactively manage and recover overdue and delinquent loan accounts. Contact customers through calls, messages, official correspondence and physical visits to ensure timely loan repayment. Conduct field visits to customers' business locations and residences to follow up on outstanding obligations. Engage defaulting customers and guarantors to negotiate realistic repayment arrangements in line with the Bank's policies. Monitor assigned loan portfolios and identify early warning signs of potential defaults. Follow up on broken repayment promises and ensure agreed repayment plans are honoured. Prepare and submit accurate daily, weekly and monthly recovery reports. Work closely with Relationship Officers, Branch Managers, Credit and Risk teams to improve portfolio quality. Recommend appropriate recovery and escalation strategies for high-risk and non-performing accounts. Ensure all recovered funds are paid directly into approved Bank accounts. Maintain proper documentation of recovery activities and customer engagements. Adhere strictly to the Bank's credit policies, recovery procedures and regulatory requirements. Requirements and Qualifications Bachelor's Degree or HND in Accounting, Finance, Economics, Business Administration, Marketing or any related discipline. 2–4 years' relevant experience in loan recovery, debt collection, credit administration or microfinance banking. Previous experience in recovering SME, individual or commercial loans will be an added advantage. Good understanding of loan delinquency management, credit risk and recovery processes. Strong negotiation, communication and interpersonal skills. Excellent analytical, problem-solving and report-writing abilities. High level of integrity, discipline, professionalism and accountability. Ability to work under pressure, meet recovery targets and undertake regular field assignments. Proficiency in Microsoft Office applications. What We Are Looking For: We are looking for individuals who are: Highly target-driven and results-oriented. Assertive, persistent and confident in handling difficult recovery situations. Excellent negotiators with strong customer engagement skills. Proactive, responsible and committed to achieving set targets. Willing to travel and conduct regular field recovery activities. Why Join Fina Trust? Opportunity to work within a growing microfinance banking institution. Professional development and career growth opportunities. Exposure to a dynamic banking and financial services environment. Opportunity to contribute directly to the Bank's business growth and portfolio performance. Salary N200,000 - N350,000 monthly.

11 days ago

Credit Risk Officer

Memento Microfinance Bank

Lagos, nigeria

full-time

Memento Microfinance Bank (MMFB) is a Tier 1 Unit microfinance bank licensed by the Central Bank of Nigeria (CBN) and committed to the economic growth and empowerment of Nigerian individuals and small/medium-sized businesses. MMFB is a digital bank, offering products and services that are tailored to meet customers’ needs; cutting across micro-savings, microloans, investments, capacity building, and financial advisory services. MMFB was licensed in 2021. We are recruiting to fill the position below: Job Position: Credit Risk Officer Job Location: Yaba, Lagos Work mode: Hybrid Reports: Manager, Credit Risk Department: Microfinance Bank About The Role The Credit Risk Officer is responsible for assessing loan applications and providing objective, data-driven recommendations in line with Memento Microfinance Bank’s credit policies and risk appetite. The role evaluates borrowers’ creditworthiness, repayment capacity, financial position, indebtedness and collateral, where applicable. The role also ensures accurate credit documentation, verifies fulfilment of approval conditions before disbursement, monitors portfolio performance and identifies early warning signals to support effective credit risk management. Primary Responsibilities Credit Appraisal and Analysis: Review loan applications and supporting documents for completeness, accuracy and compliance with lending requirements. Analyse bank statements, cash flows, financial information, business performance, indebtedness and repayment capacity. Review credit bureau reports from CRC, First Central and other approved agencies. Assess transaction patterns, borrower risk classification, collateral and security, where applicable. Coordinate relevant KYC and risk checks, including BVN, NIN, CAC and sanctions screening. Identify inconsistencies, potential default risks and other adverse credit indicators. Prepare credit appraisal reports with clear, evidence-based recommendations. Credit Recommendations and Approval Support: Recommend appropriate loan amounts, tenors, repayment structures and conditions based on assessed risk. Document findings, assumptions, exceptions and outstanding requirements. Support Credit Committee reviews and provide additional analysis when required. Record credit decisions, approved terms and conditions accurately on the loan origination platform. Communicate approval requirements to relevant stakeholders. Conditions Precedent and Disbursement: Verify that approved Conditions Precedent (CPs), including documentation, guarantees and collateral requirements, are fulfilled before disbursement. Complete the required CP checklist and maintain supporting records. Escalate outstanding or inadequate conditions to the Head of Risk. Ensure Credit Risk certifies CP fulfilment before Finance disburses funds and that loans are booked only after Credit Risk sign-off. Portfolio Monitoring and Early Warning: Monitor loan exposures, repayment performance and borrower financial health. Identify and escalate missed repayments, delinquency trends, covenant breaches and other early warning signals. Recommend accounts for enhanced monitoring, restructuring, remedial action or recovery, where necessary. Support portfolio reviews and reporting on delinquency, non-performing loans (NPLs) and other credit risk indicators. Reporting and Risk Controls: Prepare credit risk reports and maintain accurate portfolio records. Monitor compliance with lending policies, credit limits, approval authorities and risk parameters. Analyze portfolio trends and concentration risks and recommend improvements to credit appraisal processes. Support internal and regulatory reviews by providing accurate records and supporting documentation. Uphold established credit controls, confidentiality and segregation of duties. Stakeholder Management: Work with Relationship Officers and Business Development teams to obtain required credit information and documentation. Liaise with Compliance/Internal Control on KYC and regulatory requirements. Collaborate with Finance and MIS on disbursement and loan booking requirements. Provide timely feedback on outstanding requirements while maintaining the independence of the credit risk function. Knowledge and Skill Requirements Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, Statistics or a related discipline. Minimum of 3 years of relevant experience in credit, risk management, banking, microfinance or financial services, preferably in loan appraisal or underwriting. Good understanding of credit assessment, lending processes, repayment capacity and borrower financial analysis. Knowledge of SME and retail/microfinance lending, credit bureau reports, collateral and loan documentation. Understanding of KYC, AML and applicable financial services regulations. Familiarity with digital lending platforms and automated credit assessment tools is an advantage. Strong analytical, numerical, problem-solving and communication skills. Proficiency in Microsoft Excel and other relevant analytical tools. Key Competencies: Credit Appraisal and Underwriting Financial, Bank Statement and Cash Flow Analysis Credit Risk Assessment and Decision-Making Credit Bureau Analysis Portfolio Monitoring and Early Warning Identification Credit Documentation and Risk Controls Data Analysis and Interpretation Attention to Detail and Professional Judgement Stakeholder Management

13 days ago

Credit Risk Officer

Memento Microfinance Bank

Yaba, Lagos Work mode: Hybrid Reports: Manager, Credit Risk Department: Microfinance Bank, Lagos, Nigeria

full-time

Memento Microfinance Bank (MMFB) is a Tier 1 Unit microfinance bank licensed by the Central Bank of Nigeria (CBN) and committed to the economic growth and empowerment of Nigerian individuals and small/medium-sized businesses. MMFB is a digital bank, offering products and services that are tailored to meet customers’ needs; cutting across micro-savings, microloans, investments, capacity building, and financial advisory services. MMFB was licensed in 2021. We are recruiting to fill the position below: Job Title: Credit Risk Officer Location: Yaba, Lagos Work mode: Hybrid Reports: Manager, Credit Risk Department: Microfinance Bank About The Role The Credit Risk Officer is responsible for assessing loan applications and providing objective, data-driven recommendations in line with Memento Microfinance Bank’s credit policies and risk appetite. The role evaluates borrowers’ creditworthiness, repayment capacity, financial position, indebtedness and collateral, where applicable. The role also ensures accurate credit documentation, verifies fulfilment of approval conditions before disbursement, monitors portfolio performance and identifies early warning signals to support effective credit risk management. Primary Responsibilities Credit Appraisal and Analysis: Review loan applications and supporting documents for completeness, accuracy and compliance with lending requirements. Analyse bank statements, cash flows, financial information, business performance, indebtedness and repayment capacity. Review credit bureau reports from CRC, First Central and other approved agencies. Assess transaction patterns, borrower risk classification, collateral and security, where applicable. Coordinate relevant KYC and risk checks, including BVN, NIN, CAC and sanctions screening. Identify inconsistencies, potential default risks and other adverse credit indicators. Prepare credit appraisal reports with clear, evidence-based recommendations. Credit Recommendations and Approval Support: Recommend appropriate loan amounts, tenors, repayment structures and conditions based on assessed risk. Document findings, assumptions, exceptions and outstanding requirements. Support Credit Committee reviews and provide additional analysis when required. Record credit decisions, approved terms and conditions accurately on the loan origination platform. Communicate approval requirements to relevant stakeholders. Conditions Precedent and Disbursement: Verify that approved Conditions Precedent (CPs), including documentation, guarantees and collateral requirements, are fulfilled before disbursement. Complete the required CP checklist and maintain supporting records. Escalate outstanding or inadequate conditions to the Head of Risk. Ensure Credit Risk certifies CP fulfilment before Finance disburses funds and that loans are booked only after Credit Risk sign-off. Portfolio Monitoring and Early Warning: Monitor loan exposures, repayment performance and borrower financial health. Identify and escalate missed repayments, delinquency trends, covenant breaches and other early warning signals. Recommend accounts for enhanced monitoring, restructuring, remedial action or recovery, where necessary. Support portfolio reviews and reporting on delinquency, non-performing loans (NPLs) and other credit risk indicators. Reporting and Risk Controls: Prepare credit risk reports and maintain accurate portfolio records. Monitor compliance with lending policies, credit limits, approval authorities and risk parameters. Analyze portfolio trends and concentration risks and recommend improvements to credit appraisal processes. Support internal and regulatory reviews by providing accurate records and supporting documentation. Uphold established credit controls, confidentiality and segregation of duties. Stakeholder Management: Work with Relationship Officers and Business Development teams to obtain required credit information and documentation. Liaise with Compliance/Internal Control on KYC and regulatory requirements. Collaborate with Finance and MIS on disbursement and loan booking requirements. Provide timely feedback on outstanding requirements while maintaining the independence of the credit risk function. Knowledge and Skill Requirements Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, Statistics or a related discipline. Minimum of 3 years’ relevant experience in credit, risk management, banking, microfinance or financial services, preferably in loan appraisal or underwriting. Good understanding of credit assessment, lending processes, repayment capacity and borrower financial analysis. Knowledge of SME and retail/microfinance lending, credit bureau reports, collateral and loan documentation. Understanding of KYC, AML and applicable financial services regulations. Familiarity with digital lending platforms and automated credit assessment tools is an advantage. Strong analytical, numerical, problem-solving and communication skills. Proficiency in Microsoft Excel and other relevant analytical tools. Key Competencies: Credit Appraisal and Underwriting Financial, Bank Statement and Cash Flow Analysis Credit Risk Assessment and Decision-Making Credit Bureau Analysis Portfolio Monitoring and Early Warning Identification Credit Documentation and Risk Controls Data Analysis and Interpretation Attention to Detail and Professional Judgement Stakeholder Management

14 days ago