Credit Marketing/Loan Officer

Responsibilities:

• Manage and enhance the borrowing portfolio in the region and solicit acceptable new relationships in order to meet the pre-set financial and non-financial objectives
• Develop an appropriate focused calling program for each customer, and document these in call reports all in order to fulfil the following responsibilities:
• Pro-actively market loan products, building valuable, profitable and sustainable customer relationships
• Identify and convert prospects into active borrowing relationships with SME within the region to build and enhance SFC's market share.
• Efficiently and appropriately distribute information on our customers in order to allow for proper information flow, assist the Innovation process, and facilitate the generation of new ideas, solutions and alternatives that add value to our customers.
• Gain an in-depth understanding of each customer - their business, their needs & their values and develop customised solutions, being innovative where necessary, to add demonstrable value to our customers.
• Spread and analyse financial statements, prepare credit packages, including KYC due diligence and E&S screening, team with the legal counsel for the preparation and negotiation of legal documentation.
• Strictly adhere to internal policies, completing and updating of all required documentation.
• Maintain frequent interaction with centres of influence, diverse industry segments, community leaders, regulators, and senior business contacts.
• Ensure that the organisation’s activities are carried out in accordance with all regulatory, legal, and country regulations in liaison with the group legal counsel.
• Develop and maintain strong working relations with all existing clients is key.
• Recognise early warning signs and closely monitor clients to anticipate changes in risk rating. Proactively identify issues and restructure relationships to mitigate potential future risk.
• Conduct collection calls on customer visits to collect delinquent loans if any.

Requirements:

• This position is open preferably to a female candidate
• Minimum academic qualification of a BSc in Finance or a relevant Master's Degree from a recognised university or equivalent.
• At least 3 years' proven experience in a financial institution, with experience in credit and relationship management, is a must.
• Strong background in credit risk, compliance and operational risks.
• Any other equivalent combination of qualifications and experience.

Note: Experience in banks, MFB, or a financial institution is a must. Also, Lagos residents only. If you don't meet the requirement, please don't apply.