SME Relationship Officer at Addosser Microfinance Bank

Job Description

• Prospect for new SME clients and assist with their loan applications.
• Analyze and interpret financial statements of the business in order to access the repayment capacity and financial capacity of the borrower.
• Recommendation of Loans: Recommend loans to the Credit Unit for approval.
• Conducts loan appraisals and collects detailed information (personal, business, and guarantors).
• All clients and guarantors applying for loans for their businesses and Offices must be visited before disbursement is carried out
• Monitoring and Follow up with Repayment: ensure 100% repayment of disbursed loans.
• Market intelligence: develop market intelligence, detailed research, competition analysis and database with the view to capture the assigned market space.
• Develop sales initiative/Conduct Product Campaign: acquire an impeccable knowledge of all products/services, develop a strategy in communicating product essentials to get buy-in through all available platforms (one–on–one, social media, target group engagement and other sales channels)
• Develop new markets: develop new wider and deeper markets by reaching organizations, associations and communities with customized banking services offering the unique selling proposition of the bank.
• Manage correspondence: maintain swift correspondence with inter/intra dependent roles, customers, reporting line and every stakeholder in the sales pipeline to ensure excellent and satisfactory service delivery to customers.
• Maintain contact and good relationships with clients.
• Growth and development: study market/industry trends/initiatives per time to boost personal and target delivery per timeline.
• Execute all other jobs as assigned by team lead and management.

Relevant Skills, Qualifications, Attributes & Experience

• Candidates should possess a B.Sc / HND in Social Sciences or any other relevant course of study.
• Minimum of 2 years' cognate experience in SME Lending in any Financial Institution (preferably a Microfinance Bank/ Finance house)
• Ability to evaluate needs of customers and determine what products or services would best serve those needs
• Good interpersonal relationship skills.
• Excellent Analytical Skills.
• Must be computer literate.
• Excellent communication, reporting skills.