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: Lagos
Employment Type: Full-time
Job Summary
Consumer Lending Officer in a bank is responsible for originating, underwriting, approving, servicing, and managing consumer loans—such as credit cards, auto loans, and personal loans—while ensuring regulatory compliance, credit quality, and strong customer experience.
Consumer Lending Officer covers all activities related to providing credit to individuals for personal, household, or family use. This includes loan growth, risk management, customer service, and compliance with banking regulations.
Key ResponsibilitiesLoan Origination & Growth:Develop strategies to grow consumer loan portfolios.
Generate new business through existing and prospective customers.
Partner with branch managers and sales teams to drive loan production.
Underwriting & Credit Assessment:Review loan applications, credit reports, income statements, and financial documents.
Assess borrower creditworthiness and recommend appropriate loan products.
Establish and negotiate loan terms within bank guidelines.
Approve loans within delegated authority.
Regulatory Compliance:Ensure adherence to federal and state lending laws (e.g., FDIC, Regulation O, Regulation W).
Provide accurate disclosures on interest rates, fees, and repayment obligations.
Maintain proper documentation and follow safety-and-soundness standards.
Customer Service & Support:Assist customers with loan applications and documentation.
Educate borrowers on loan options and repayment obligations.
Handle inquiries, complaints, and dispute resolution
Portfolio Management:Monitor loan accounts for timely payments and delinquencies.
Oversee renewals, modifications, and credit quality.
Manage risk, fraud controls, and asset quality.
Business Development & Deposit Growth:Expand customer relationships to support both lending and deposit growth.
Align consumer lending strategies with broader retail banking goals.
Legal, Compliance & Audit Coordination:
Work with legal and compliance teams on disclosures, policies, and regulatory interpretation.
Support internal audit reviews and oversight of lending practices.
RequirementsInterested candidates should possess relevant qualifications and experience.
SalaryN150,000 monthly.
Application Closing Date
30th September, 2026.
How to Apply
Interested and qualified candidates should send their CV to: [Email hidden - Login to reveal] using the Job Title as the subject of the email.
How To Apply
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Click the Apply Now button above.
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Attach your Application letter, updated Curriculum Vitae (CV) and any supporting documents required.
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Make sure to send your application before the closing date.
Note: Only shortlisted candidates are contacted.
