Relationship Officer

EdFin Microfinance Bank

EdFin Microfinance Bank is the first specialized bank for education in Nigeria. The bank which is dedicated solely to funding the education eco-space in Nigeria aims to positively disrupt the standard and quality of education in Nigeria, by providing the much-needed financial resources and services to the education sector.

We are recruiting to fill the position below:

Job Title: Relationship Officer

Location: Surulere, Lagos

Key Responsibilities

• Promotion of products and origination of new clients:

• Build and maintain a portfolio of quality clients rapidly and consistently to reach the target portfolio within the assigned period.

• Liaise with community organizations, business associations, and individual entrepreneurs;

• Identify potential clients;

• Sensitize potential clients on all aspects of the loan program: procedures to apply, the terms and conditions, the incentives for good performance, and penalties for late repayment and default.

• Conduct loan evaluations according to policies and procedures

• Develop an accurate evaluation of each client’s capacity and willingness to repay the requested loan.

• Correctly complete the loan application and evaluation process

• Arrange and undertake business site visits;

• Verify and cross-check all information relevant to the loan application and evaluation;

• Evaluate the willingness and capacity to repay of the client;

• Ensure an appropriate guarantee is in place and documented;

• Determine and present loan terms and conditions to the credit committee.

• credit committee member:

• Participate in credit committees providing input on other members’ loan proposals;

• Prepare and present own loan proposals to credit committee.

Provide high-quality customer service:

• Develop relationships with each client to support the business success and cultivate loyalty.
• Monitor client business progress to identify any potential problems;
• Offer suggestions and referrals where appropriate and within company policy;
• Demonstrate concern and build client rapport.

Manage and recover late repayments:

• Implement late repayment recovery procedures
• Achieve and maintain targets on portfolio at risk and loan loss;
• Emphasize the importance of on-time repayment with clients;
• Monitor repayment reports daily and client behavior patterns.

Build community rapport:

• Become knowledgeable and known in the assigned geographic zone.
• Build rapport with community, business associations, and leaders;
• Be known and visible in the community;
• Develop goodwill of the community towards the Bank.

Support the Team:

• Provide support to peers and others within the Bank in uplifting its values and policies.

• Key Performance Indicators (KPIs)

• Client retention rate.

• Number of new client acquisitions.

• Revenue generated from upselling/cross-selling.

Qualifications and Experience

• A minimum of HND or BSc in Business, Banking, Finance, Accounting, Economics, and/or related fields.
• Must have completed NYSC
• Understand the local area where they are working
• Strong interpersonal skills
• Ability to develop strong financial analysis skills
• Ability to assess the character of potential clients
• Computer literacy
• Independent worker; honest and of high integrity
• Experience in the credit or financial service industry will be an added advantage.

Application Closing Date

3rd November, 2026.