SME Officer at Microcred Group

Locations: Abuja & Kaduna
Supervisor: Reporting to Head SME Manager.

Position scope

• SME Loan Officer is responsible for processing loan applications for SME and corporate clients, as well as monitoring the loan portfolio
• Duties and Responsibilities
• Prospect new clients and assists them for loan application.
• To analyze and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower.
• Conducts loan appraisal and collects detailed information (personal, business, and guaranties) and arrange to opens new loan account.
• Prepares and execute loan contracts and arrange for disbursement of loan in kind.
• Have good knowledge about guidelines of regulatory body and able to prepare loan reports for internal and external use.
• Monitors the loan and follows up of the timely repayment.
• Maintains contact and maintain good relationship with client.
• Ensure full compliance with all in-place Baobab policies & procedures and with audit recommendations.

Requirements

• Good understanding of business processes.
• Ability to communicate and to maintain good relations with the client.
• Good presentation skills and excellent courteous attitude; social concern.
• Ability to work in confidentiality; ability to work in the field.

Skills and Specifications

• At least 1-2 years prior experience in credit department in commercial banks or any financial sector.
• Bachelor degree in Banking & Finance or Accounting
• Organizational and time management skills.
• Ability to work effectively in a team environment.
• Negotiation and internal relationship building.
• Sound written and verbal English communication skills.
• Advanced computer skills (MS Word, Excel, PowerPoint).
• Analysis and reporting skills.
• Proficient typing skills.
• Problem solving and decision making.
• Applicants must reside within the region they are applying for.