Experienced Operations Specialist

The Operations Specialist will be responsible for the end-to-end operational management of SME Loans, LPO Financing, Asset Financing, Payroll Loans, and Asset Refinance transactions. The role requires strong attention to detail, credit administration expertise, compliance orientation, and efficiency in handling loan documentation, disbursements, and reconciliations.

Key Responsibilities

Loan Processing & Administration

Handle complete loan documentation and processing for SME loans, LPO financing, asset financing, payroll loans, and asset refinancing.

Verify customer information, supporting documents, and collateral in line with credit policies.

Liaise with credit analysts and business development officers to ensure timely and accurate loan disbursement.

Transaction Management

Manage drawdowns, repayments, renewals, and refinancing processes.

Ensure accurate posting of transactions and loan schedules in the core banking / loan management system.

Track loan repayments and flag overdue accounts for recovery action.

Compliance & Risk Control

Ensure strict adherence to internal control procedures, regulatory guidelines, and credit risk policies.

Maintain accurate and up-to-date loan records, ensuring audit readiness at all times.

Monitor exposures and highlight risks in disbursement or repayment trends.

Stakeholder Engagement

Work closely with clients, relationship managers, and credit officers to resolve operational queries.

Coordinate with external stakeholders (e.g., suppliers for LPO financing, asset dealers) for loan execution.

Reporting & Analytics

Generate periodic reports on loan disbursements, repayments, and portfolio performance.

Support management in preparing operational insights and portfolio analysis.

Requirements

Bachelor’s degree in Finance, Business Administration, Economics, or related field.

3–5+ years’ hands-on experience in loan operations / credit administration within a bank, or financial institution.

Strong knowledge of SME lending, LPO financing, asset financing, payroll loan structures, and refinancing processes.

Familiarity with credit policies, CBN guidelines, and regulatory compliance.

Excellent attention to detail, with strong numerical and analytical skills.

Proficiency in Microsoft Excel and loan management / core banking systems.

Strong interpersonal, communication, and problem-solving skills.

Key Competencies

Loan administration & documentation accuracy

Risk awareness & compliance

Financial analysis & reconciliation skills

Customer service orientation

Process improvement & operational efficiency