Consumer Lending Officer at Lington & Bernie Consulting Limited

Lington & Bernie Consulting Limited was established on 8 October 1999 to provide efficient and qualitative consulting services to the oil and gas industry, banks and financial institutions. The company provides services in human resources placement and management, human resources consulting, tax administration and payroll services, as well as oil and gas fiscal and contractual terms advisory services.

Details

• Job Title: Consumer Lending Officer
• Location: Lagos
• Employment Type: Full-time
• Salary: N150,000 monthly

Summary

The Consumer Lending Officer is responsible for originating, underwriting, approving, servicing and managing consumer loans, including credit cards, auto loans and personal loans, while ensuring regulatory compliance, credit quality and a strong customer experience.

The role covers activities related to providing credit to individuals for personal, household or family use, including loan growth, risk management, customer service and compliance with applicable banking regulations.

Key Responsibilities

Loan 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 applicable lending laws and regulations.
• 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.

Requirements

• Interested candidates should possess relevant qualifications and experience.

How to Apply

Interested and qualified candidates should send their CV to [email protected] using “Consumer Lending Officer” as the subject of the email.

Application Closing Date

30th September, 2026.