To build and deepen relationships with existing and potential clients by selling product/services of the company, particularly loans, to retail and MSME customers.

• Grow the existing risk asset portfolio in line with the company’s strategy

• Identify, develop and cultivate relationships with customers within the retail and MSME segment

• Manage existing clients’ portfolio as well as develop new business opportunities by generating risk assets within the MSME and retail market

• Leverage the company’s existing relationship by developing and executing new and existing contact initiatives

• Prepare sales pitches, presentations and other documents required for client engagements

• Assist in the development, launch and sales of new product offering

• Act as liaison between the company and existing/prospective clients

• Responsible for ensuring the coordination, execution and monitoring of credit provision through the approval to maturity including the following:

• Ensuring a complete, accurate and balanced risk assessment in the credit approval presentation

• Coordinating the approval process; managing information flow and ensuring that the credit approval process is adhered to, for the facility limit

• Ensuring clear communication between the company and the client and that internal approvals are consistent with client expectations

• Ensuring compliance with related policies, especially the credit policy

• Ensuring that legal documentation are complete, consistent with the internal approvals and properly executed and filed.

• Ensuring quality and timely service delivery, with n aim to exceed customer expectations.

• Monitor industry trends and obtain necessary intelligence to be used as input for new product development

•Drive engagements and close sales of loan products with retail and MSME customers.

• Monitoring and Recovering of PDO’s /Expired loans.

• Ensure that collaterals held by the organization are properly insured.

•Prompt identification of unauthorized balances and follow up with customer through early warning and remedial actions on newly created PDOs.

• Maintaining accurate, up-to-date customer account information.

• Negotiations/meetings with customers who desire work out options such as refinancing, rescheduling and restructuring.

• Prepare call memos and progress reports on negotiations with debtors in respect of repayment of indebtedness.

• Follow up on release of security documents for loans which have been fully repaid

• Give priority attention to regularize outstanding legal and documentation issues on assigned portfolio.

• High achiever with proven record of ability to grow risk assets, clients base and revenue

• Strong commercial and entrepreneurial spirit

• Broad knowledge of finance and loan management

• Broad knowledge of retail and MSME segments

• Business savvy, including a proven understanding of market segmentation and ability to identify opportunities

• Ability to quickly build a picture of a customers’ personal circumstances and needs.

• Strong negotiating, counselling, and problem solving skills.

• Good knowledge of CBN policies on credit and loan administration

• Knowledge of retail banking and micro lending

• Maturity and tact including the ability to relate with different levels of authority both internally and externally.

• Working knowledge of Microsoft Office Suites Word, Excel and Access.

• Able to work well as a team and on own initiative.

• Excellent interpersonal skills

• Energetic and with sound decision making skills

• Risk asset portfolio absolute and growth rate

• Customer growth rate and retention

• Non-Performing Loan Ratio (NPL) • Cost of Risk (Impairment

Charges/ Loan loss provisioning)

• Process Efficiency and turn-around-time

• Customer Complain

• Minimum of 10years+ post-NYSC experience in financial institution with primary focus on MSME and Retail loan processing

• Experience in loan administration and delinquent management will be an added advantage

• Minimum of a B.Sc. preferably in any Social Science and Art related subjects

• Membership of any professional organization ICAN, ACCA, RIMAN will be an added
advantage

• Internal Staff

• Clients