Account Officer

COMPANY: MICROFINANCE BANK (LAGOS)

JOB VACANCY: ACCOUNT OFFICER

 

Position: Account Officer

Reports to: Head, Finance & Accounts

Location: Lagos, Nigeria

Employment Type: Full-Time

Application Deadline: 31 October 2026

About the Bank

This is a microfinance bank licensed by the Central Bank of Nigeria (CBN), committed to expanding access to inclusive financial services for micro, small and medium enterprises (MSMEs) and low-income households. The Bank is entering a new phase of growth, with a strategy built on technology-enabled financial inclusion, disciplined credit and strong governance.

As part of this strategy, the Bank seeks to appoint a diligent and detail-oriented Account Officer who will support the Bank's financial reporting, transaction processing, reconciliations and general accounting activities while ensuring that financial records are accurate, complete and maintained in accordance with approved policies and applicable regulatory requirements. Role Summary

Support the Finance and Accounts function by maintaining accurate financial records, processing accounting transactions, performing reconciliations and providing timely financial information to Management.

The successful candidate will work closely with Finance, Operations, Credit and other departments to ensure that transactions are properly recorded, reconciled and supported by appropriate documentation.

Key Responsibilities ·       Record and process accounting transactions accurately and in accordance with approved accounting procedures. ·       Maintain accurate and up-to-date ledgers, journals and supporting financial records. ·       Perform daily and periodic reconciliations of bank accounts, cash, customer accounts, general ledger accounts and other assigned balances. ·       Investigate and promptly resolve or escalate reconciliation differences and outstanding items. ·       Review payment requests, invoices, receipts and other supporting documents to ensure completeness and appropriate authorisation before processing. ·       Process approved payments, transfers and other accounting entries in accordance with established procedures. ·       Maintain proper documentation and filing of accounting records and financial documents. ·       Support the preparation of monthly, quarterly and annual financial reports and management accounts. ·       Assist with the preparation of schedules and supporting documentation required for audits, regulatory reviews and financial reporting. ·       Monitor accounts payable and receivable and ensure that outstanding balances are appropriately followed up. ·       Assist with payroll-related accounting entries and statutory deductions where required. ·       Support the accurate recording and reconciliation of loan-related, interest, fee and other banking transactions in collaboration with relevant departments. ·       Monitor and reconcile suspense, clearing and other temporary accounts and ensure that outstanding items are investigated and cleared promptly. ·       Assist in monitoring the Bank's expenses against approved budgets and report significant variances to the appropriate officer. ·       Ensure that accounting records comply with applicable accounting standards, internal policies and regulatory requirements. ·       Maintain confidentiality of the Bank's financial information, customer information and other sensitive records. ·       Support internal and external audit processes by providing accurate records and requested information within required timelines. ·       Identify accounting errors, control weaknesses or unusual transactions and escalate them promptly to the appropriate authority. ·       Perform other reasonable duties as may be assigned by Management in connection with the role.  Requirements

·       A Bachelor's degree or HND in Accounting, Finance, Economics or a related field.

·       Minimum of two years' relevant experience in accounting, finance, banking, microfinance or a related financial services environment.

·       Good understanding of accounting principles, bookkeeping and financial reporting.

·       Demonstrable experience in account reconciliations, transaction processing and maintenance of financial records.

·       Good knowledge of Microsoft Excel and other standard accounting or financial management tools.

·       Ability to analyse financial information, identify discrepancies and resolve accounting issues.

·       Basic understanding of banking operations and financial services transactions.

·       Good understanding of statutory deductions and applicable financial reporting requirements.

·       Strong numerical, analytical and organisational skills.

·       Good written and verbal communication skills.

·       Demonstrated integrity, accuracy and attention to detail.

·       Professional accounting qualification such as ICAN, ACCA or ANAN, or progress towards such qualification, will be an advantage.

Terms of Appointment

•      The appointment is shall be subject to a probationary period of six (6) months commencing from your effective date of employment

•      Remuneration is competitive and commensurate with experience, in line with the Bank's approved remuneration policy.

How to Apply

Interested and qualified candidates should submit the following documents by email to the email address provided, with the subject line “Application – Account Officer

•      Copies of academic and professional credentials, including microfinance certification.

•      A cover letter stating suitability for the role.

Applications close on 31 October 2026. Only shortlisted candidates will be contacted. All applications will be treated in strict confidence.

This Microfinance Bank is an equal opportunity employer.