Jobs at Alan & Grant

Job Description

• Our client is a leading Microfinance Bank in Nigeria providing micro-banking services to individuals and SMEs.

Job Summary

• The Business Growth Officer is responsible for driving business expansion through customer acquisition, deposit mobilization, loan generation, relationship management, and cross-selling of the Bank's products and services. 
• The role focuses on achieving revenue targets, growing the customer base, enhancing customer satisfaction, and contributing to the Bank's profitability while maintaining high standards of compliance and service delivery. 

Key Responsibilities

• Develop and implement effective business development strategies to achieve assigned sales and revenue targets.
• Identify and acquire new customers across retail, SME, and corporate market segments.
• Mobilize deposits and promote savings, current, and investment products to prospective customers.
• Generate quality loan opportunities in line with the Bank's lending policies and risk appetite.
• Conduct market intelligence and competitor analysis to identify business opportunities and emerging trends.
• Build and maintain strong relationships with existing customers to improve retention and increase wallet share.
• Cross-sell digital banking products, payment solutions, and other value-added services to customers.
• Conduct regular customer visits to understand client needs and provide appropriate financial solutions.
• Prepare business proposals, sales presentations, and customer relationship reports.
• Work closely with the Credit Department to ensure quality loan applications and timely loan processing.

Requirements

• Bachelor's Degree in Marketing, Banking, Finance, Business Administration, Economics, or related discipline.
• Professional banking certification is an added advantage.
• Minimum of 3–5 years' experience in business development or relationship management within the banking sector.
• Proven ability to achieve sales, deposit mobilization, and loan generation targets.
• Strong understanding of banking products, customer relationship management, and regulatory requirements.

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Job Description

• Our client is a leading Microfinance Bank in Nigeria providing micro-banking services to individuals and SMEs.

Job Summary

• The Credit Management Officer is responsible for evaluating credit applications, conducting detailed financial and credit analyses, recommending appropriate lending decisions, and monitoring approved credit facilities to ensure compliance with the Bank's credit policies and regulatory requirements. 
• The role supports prudent credit administration, portfolio quality, and sustainable lending practices while minimizing credit risk and loan losses.

Key Responsibilities

• Evaluate loan applications and conduct comprehensive credit analyses.
• Conduct detailed financial analysis of individuals, SMEs, and corporate borrowers to determine repayment capacity and creditworthiness.
• Analyze financial statements, cash flows, bank statements, and business performance to support lending decisions.
• Conduct customer due diligence (CDD), Know Your Customer (KYC), and Anti-Money Laundering (AML) checks before loan approval.
• Verify customer information, collateral documentation, guarantor details, and supporting documents for completeness and authenticity.
• Prepare comprehensive credit appraisal memoranda with appropriate recommendations for Management and Credit Committee consideration.
• Assess collateral adequacy and recommend suitable security structures to mitigate lending risks.
• Ensure approved loans comply with delegated approval limits, internal policies, and CBN Prudential Guidelines.
• Monitor customers' financial performance and identify early warning signals that may affect loan repayment.
• Work closely with the Loan Monitoring Unit to track post-disbursement performance and ensure loan utilization aligns with approved purposes.

Requirements

• Bachelor's Degree in Banking, Finance, Economics, Accounting, Business Administration, or related discipline.
• Professional banking or accounting certification (ACIB, ACA, ACCA, CFA, or equivalent) is an added advantage.
• Minimum of 3–5 years' experience in credit administration, credit analysis, or lending within a financial institution.
• Strong understanding of CBN Prudential Guidelines, financial analysis, and credit risk management.
• Excellent report writing and analytical skills.