SME & Private Sector Lending Officer at AMS Finance & Management

Role Summary

• Originate, underwrite and manage SME and private-sector loan portfolios in Abuja or Lagos.
• Support business growth by sourcing quality lending opportunities, conducting credit analysis, structuring facilities, and ensuring portfolio performance and compliance.

Key Responsibilities

• Source and build relationships with SMEs and private enterprises; originate lending opportunities.
• Perform detailed credit assessments: financial analysis, cash-flow modelling, collateral valuation and industry profiling.
• Prepare credit proposals and structuring recommendations in line with credit policy.
• Manage end-to-end loan process: documentation, disbursement, covenant monitoring and periodic reviews.
• Monitor portfolio health, identify early-warning signs and recommend mitigation or restructuring.
• Liaise with legal, operations, risk and collections on documentation, perfection and recovery actions.
• Maintain accurate loan files and CRM records; provide market/sector intelligence.

Requirements

• Bachelor's Degree in Finance, Accounting, Economics or related; professional qualification (ACCA / CPA / CFA) advantageous.
• 3–7 years of SME / corporate lending experience in a bank, finance house or similar.
• Strong financial modelling, credit analysis and risk assessment skills; advanced Excel.
• Commercial acumen, negotiation and relationship-management skills.
• Knowledge of documentation standards, collateral/perfection processes and regulatory requirements.
• Willingness to travel within assigned territory; professional integrity and client focus.

What We Offer

• Competitive market salary: N250,000 - N400,000 Monthly.
• Performance / incentive scheme.
• Career progression and training.