Senior Loan Executive (SME, Corporate & Asset Financing) at Hills Harvest Microfinance Bank

Job Summary

• As part of our expansion, we are seeking experienced, highly motivated, and results-driven professionals to join our Business Development and Credit team.
• The Senior Loan Executive (SME, Corporate & Asset Financing) will be responsible for driving business growth through the acquisition of quality loan, investment, and deposit customers while maintaining a healthy loan portfolio.
• The successful candidate will identify new business opportunities, evaluate credit requests, structure financing solutions, manage customer relationships, and ensure compliance with the Bank's credit policies and regulatory requirements.

Key Responsibilities

• Identify, prospect, and onboard individual, SME, and corporate customers to grow the Bank's loan, investment, and deposit portfolio.
• Market and promote the Bank's financial products, including SME Loans, Corporate Loans, Asset Financing, Salary Loans, Working Capital Loans, Investment Products, and Deposit Mobilization solutions.
• Conduct customer assessments, evaluate loan applications, and prepare quality credit appraisal reports in line with the Bank's Credit Policy.
• Structure loan facilities and collaborate with Credit Risk, Operations, and Compliance teams to facilitate timely loan approvals and disbursements.
• Monitor loan utilization, repayment performance, and proactively manage delinquent accounts to minimize Portfolio at Risk (PAR) and Non-Performing Loans (NPLs).
• Build and maintain strong customer relationships while identifying opportunities to cross-sell the Bank's products and services.
• Maintain accurate customer records, loan documentation, and transaction updates using the Bank's Core Banking System.
• Achieve assigned business targets for loan disbursement, deposit mobilization, investment growth, customer acquisition, and portfolio quality.

Key Performance Indicators (KPIs)

• Achievement of monthly and annual loan disbursement targets.
• Achievement of deposit mobilization and investment growth targets.
• Growth and quality of the SME and Corporate loan portfolio.
• Maintenance of acceptable Portfolio at Risk (PAR) and NonPerforming Loan (NPL) ratios.
• Customer acquisition, retention, and cross-selling performance.

Requirements

• Bachelor's Degree or HND in Finance, Banking, Economics, Accounting, Business Administration, Marketing, or any related discipline.
• 1 - 3 years' experience in Business Development, Credit Marketing, Loan Sales, or Relationship Management within a Microfinance Bank, Commercial Bank, Finance Company, or similar financial institution.
• Proven experience in SME Lending, Corporate Lending, Asset Financing, Salary Loans, or Deposit Mobilization.
• Strong knowledge of credit appraisal, financial analysis, loan structuring, and regulatory compliance.
• Excellent business development, communication, negotiation, and relationship management skills with the ability to consistently meet performance targets.