Lington & Bernie Consulting Limited was established on October 8, 1999 to provide efficient and qualitative consulting services to the oil and gas industry as well as banks and financial institutions in the areas of human resources placement and management, human resources consulting services, tax administration and payroll services as well as oil and gas fiscal and contractual terms advisory services.
We are recruiting to fill the position below:
Job Title: Consumer Lending Officer
Location: Nationwide
Employment Type: Full-time
Job Summary
- A consumer lending officer in a bank evaluates loan applications, advises clients on loan options, manages credit risk, and ensures compliance with banking regulations.
Core Responsibilities
- Evaluating Loan Applications: Consumer lending officers assess the financial health of applicants by reviewing credit reports, income statements, employment history, debts, and other financial documents to determine eligibility and repayment capacity
- Advising Clients: They guide clients through available loan products, explaining interest rates, repayment terms, fees, and the pros and cons of each option. This ensures borrowers make informed financial decisions
- Processing and Underwriting Loans: Officers collaborate with underwriting teams to verify information, obtain necessary documentation, and ensure loans comply with internal policies and regulatory requirements
- Risk Assessment and Creditworthiness: They analyze credit ratings, collateral, and other risk factors to recommend loan approval, modification, or denial, balancing the bank’s risk exposure with customer needs
- Portfolio Management: Consumer lending officers monitor loan repayment performance, identify early warning signs of default, and take proactive steps to mitigate potential losses
- Client Relationship Management: Maintaining strong relationships with borrowers throughout the loan lifecycle encourages repeat business, referrals, and customer satisfaction
- Business Development: Officers may actively source new clients, meet disbursement targets, and contribute to branch growth by promoting loan products and services
- Regulatory Compliance: They ensure all lending activities adhere to banking regulations, internal policies, and ethical standards, safeguarding both the institution and the borrower
Additional Duties:
- Preparing timely and accurate loan reports
- Developing referral networks and marketing strategies to attract new applicants
- Explaining loan terms clearly to prevent misunderstandings
- Providing financial advice tailored to the client’s long-term stability.
Salary
N150,000 monthly.
Application Deadline
31st October, 2026.
Method of Application
Interested and qualified candidates should send their CV to: jobs@lingtonandbernie.com using the job title as the subject of the email.
