Loan Officer at Mivale Limited – Lagos

Mivale Limited is recruiting a Loan Officer in Lagos to acquire borrowers, assess loan applications, manage credit portfolios and support responsible repayments and recoveries.

Key Responsibilities

• Identify and acquire qualified prospective borrowers through approved channels.
• Engage customers, understand their financial needs and provide appropriate loan solutions.
• Collect and verify customer information and supporting documentation.
• Conduct preliminary credit assessments in line with Mivale’s lending policies and procedures.
• Process loan applications accurately and within agreed turnaround times.
• Maintain accurate and up-to-date customer and loan records.
• Monitor assigned loan accounts and proactively follow up on upcoming and overdue repayments.
• Maintain strong relationships with borrowers throughout the loan lifecycle.
• Conduct responsible and professional collections activities.
• Escalate delinquent accounts, suspicious activities and material risks promptly.
• Work towards assigned portfolio, disbursement, repayment and recovery targets.
• Prepare and maintain accurate portfolio reports.
• Collaborate with Credit, Operations, Collections and other relevant teams to improve portfolio performance.
• Identify trends, customer concerns and potential risks and communicate them to management.
• Ensure strict adherence to Mivale’s policies, procedures, ethical standards and regulatory requirements.

What We’re Looking For

• Bachelor’s Degree / HND in Finance, Accounting, Economics, Business Administration, Marketing or a related field.
• 1 – 3 years’ experience in lending, microfinance, fintech, banking, credit, collections or a related financial-services environment.
• Good understanding of credit assessment and loan processes.
• Strong customer relationship and communication skills.
• Excellent negotiation and persuasion skills.
• Good numerical and analytical ability.
• Strong attention to detail and documentation.
• Target-driven and comfortable working in a performance-oriented environment.
• Ability to manage multiple customer accounts and priorities.
• Proficiency in Microsoft Office/Google Workspace; familiarity with loan management or CRM systems is an advantage.
• High level of integrity, discretion and financial responsibility.

You Will Thrive at Mivale If You Are:

• Accountable. You take ownership of your portfolio and follow through.
• Customer-focused. You understand that responsible lending starts with understanding the customer.
• Commercially minded. You know how to grow a quality portfolio, not just a large one.
• Analytical. You can look beyond the numbers and identify credit risks and opportunities.
• Resilient. You can handle targets, follow-ups and difficult conversations professionally.
• Trustworthy. You understand that handling customer information and company funds requires a high level of integrity.