PUBLIC SECTOR LOAN OFFICER AT VASTE FINANCE | PUBLIC SECTOR LOAN OFFICER JOBS IN NIGERIA

About Company:

Vaste Holdings is a diversified investment and services group with interests in finance, car rentals, flexible savings & investment solutions, and asset management.

Job Description:

We are seeking a sophisticated, results-driven Public Sector Loan Officer to drive our lending operations across key administrative and commercial hubs. In this role, you will be responsible for tapping into credit opportunities within government ministries, departments, agencies (MDAs), and associated public institutions. You will manage the entire loan lifecycle—from establishing high-level institutional relationships and analyzing risk to ensuring seamless disbursement and aggressive repayment enforcement.

The ideal candidate possesses exceptional professional carriage, a background in structured lending, and the diplomatic skills required to navigate public sector bureaucracies effectively.

Requirements:

Business Development & Relationship Management

• Origination: Identify and cultivate strategic public sector lending opportunities within federal, state, or local government frameworks.

• Institutional Ties: Build and maintain deep, trust-based relationships with key decision-makers, payroll administrators, and institutional stakeholders.

• Professional Representation: Present the company’s credit solutions clearly and persuasively to civil servants, labor unions, and public boards.

Credit Analysis & Due Diligence

• Risk Assessment: Evaluate and analyze the creditworthiness of institutional clients and individual public sector applicants.

• Verification: Conduct thorough due diligence regarding counterparty legitimacy, primary payment sources (such as direct salary deductions or government mandates), and contract validity.

• Cross-Functional Collaboration: Partner with internal legal, risk, and operations teams to achieve perfect documentation and mitigate systemic risks.

Portfolio Management & Default Mitigation

• End-to-End Processing: Support the full credit lifecycle, including meticulous documentation collation, internal approvals, seamless disbursement, and ongoing monitoring.

• Repayment Tracking: Proactively monitor active accounts and maintain consistent follow-ups to ensure prompt repayments and prevent non-performing loans (NPLs).

• Default Remediation: Rapidly deploy recovery protocols and manage defaults when they occur, negotiating restructuring terms or initiating formal collection strategies in compliance with internal controls.

• Compliance: Maintain comprehensive, audit-ready physical and digital credit files.

Qualifications and Skills:

Education & Experience

• Degree: Bachelor's Degree in Finance, Economics, Business Administration, or a related field.

• Track Record: Minimum of 3 years of proven experience working as a Loan Officer or Credit Analyst.

• Industry Advantage: Direct prior experience within the Microfinance or Commercial Banking sector is a distinct advantage.

Core Skills & Attributes

• Communication: Expert presentation, business writing, and verbal communication skills tailored for corporate and institutional environments.

• Carriage & Outlook: Exceptional professional appearance, emotional intelligence, and a disciplined approach to workplace challenges.

• Technical Acumen: Strong understanding of credit structuring, debt-to-income (DTI) calculations, and public sector salary payment mechanics (e.g., IPPIS or state equivalents).

Salary

Application Closing Date: Not specified

Application Instructions:

Interested and qualified candidates should send their Resume to: careers@vastefinance.com using the Job Position as the subject of the mail.