Senior SME Marketer at Treetop Consulting Limited

Department: Operations (Full Time)

Company Brief: Financial Services – Loans and Financial Services

Primary Objective:

The SME Credit Manager oversees the technical area of small and medium enterprise credit, including supervision and monitoring of SME direct lending and loan guaranty programs managed by the department, as well as contributing to strategic planning, new business development, proposal writing, capacity building, knowledge sharing, and business innovation to expand access to financial services.

Responsibilities:

• To drive SME credit (Loans &; Advances) ranging from 10 million to 50 million Nigeria Naira across Nigeria.
• To achieve and develop, lead the implementation of the SME Segment strategy in line with the overall Retail Loan Strategy; to ensure achievement of profitability targets through revenue maximization and prudent cost management.
• To drive sustainable growth and acquisition of new customers for the SME through the creation, development and maintenance of high-quality advisory relationships.
• To build and maintain productive and strategic relations with customers / suppliers / line manager /stakeholders to drive the development and delivery of business solutions and revenue growth for the SME Segment.
• To drive customer-led propositions for the SME Loan Segment by developing a pipeline of value adding customer solutions to include customer experience, products, and service offers.
• To ensure strong cross- selling of existing and new SME Loan products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the Bank.
• Championing the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty.
• Maintains a detailed and current understanding of the industry; (at SME loan, current market structures; regulatory requirements and issues) to ensure that opportunities are realized and the risks mitigated.
• Ensuring timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements whilst maintaining the quality of the SME portfolio within the stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
• Ensure compliance to the Bank’s policies, procedures and regulatory requirements.
• Lead, motivate, and continuously develop a credible high performing SME team.
• To meet the monthly objective of ₦100,000,000.00 i.e One Hundred-Million-naira loan disbursement per month.

Requirements

• University Degree in a Business-related field.
• An advanced degree will be an added advantage.
• Professional Product Development or Project Management Qualification.
• Must have hands on experience in Credit Analysis &, Administration, Sales, Relationship Management.

Risk and Opportunities

• Identify Risks and provide treatment plans for them.
• Seek for and identify opportunities that can be exploited.

General

• The Employee may also be required to perform duties not directly related to their area of experience or expertise, in which case proper instruction will be provided.
• Ensure that the highest ethical standards are maintained in all activities
• Conduct himself in a dignified and respectful manner that reflects well on the Employer and sets an example for other employees.

Knowledge, Skill and Abilities

• Customer Service, commercial and product development functions of a commercial bank at managerial level.
• Demonstrated consistent high performance in role(s) held in the last three years.
• A thorough knowledge of Small Medium Enterprise (SME) Products, Retail Banking products and services.
• Excellent interpersonal, and negotiation skills with the ability to network, generate new business and develop strong business relations.
• Strong leadership skills with demonstrated competencies in chioning high-performance management.
• Membership of a Marketing professional body will be desirable.
• A good understanding of risk, credit policies and procedures.
• Excellent planning, Organization, problem solving and analytical skills.

Experience:

• Minimum of at least 6 years’ experience in SME Sector 2 years of which must have been in a leadership position.
• Proven working experience as a Loan Officer will be an added advantage