Finance and Credit is the major backbone supporting economic decisions in any economy, we live in a unique time where despite the importance of the Banking system to SME’s, there is a seemingly high trust deficit between small business owners and the banking system with reference to ease of access to credit.
Our MissionResponsibilities
Lead High Impact Sales, sourcing for prospective clients, offering loans/financial solutions and achieving monthly loan and Proof of Funds disbursement target.
Undertake credit assessment and prepare appraisal reports as per prescribed guidelines for credit facilitation and make necessary recommendation to Credit & Business Development Manager. This includes desk reviews and onsite due diligence.
Analyze financial data to access creditworthiness, and maintain adequate documentation of all credit cases progressed for approval.
Capture KYC data and financial information into the institutional Credit management system.
Undertake portfolio management to identify default triggers per case, assessment of loan penalties,actioning on measures to mitigate deterioration of portfolio at risk, initiating collection mechanism per policy including business recovery mechanisms.
Provide financial advice to clients to support their business and credit needs.
Prepare credit facility offer letters spelling out terms, conditions, and covenants for review by line Manager.
Identify, document, and share with line manager possible innovative ways of improving business processes at Credit and Business Development Department.
Collaborate with teams to develop proposals and effective market strategies.
Any other duties assigned by the line manager.
Requirements
Bachelor’s Degree in Business related field, Economics, Finance, Accounting or equivalent
Previous experience in banking or finance and investment sector as a Credit Officer or direct sales agent with robust knowledge of small business financing
Proven ability to achieve sales and revenue targets.
Good communication and presentation skills, with outstanding reporting skills
Proficiency in Microsoft Office Applications (Word, Excel, etc.) and financial analysis tools.
Age range: 23 to 33years
Must have completed NYSC.
