Retail Lending Officer

Responsibilities:

• Ensure a profitable Retail Lending portfolio is achieved.
• Ensure the full end-to-end digitization of all retail lending products & solutions.
• Drive adoption of new products as assigned by the Head of Retail Lending.
• Contribute to the Bank's risk assets growth strategies and goals.
• Ensure that product budgetary expectation is achieved.
• Participate in the design and implementation of a comprehensive training plan that drives and re-enforces the desired sales behavior.
• Participate in sales execution plan by Retail segment and product.
• Monitor sales pipeline and identify additional methods of improving sales performance.
• Participate in the development of yearly sales plans and forecasts.
• Maintain a comprehensive database of the unit’s credit portfolio.
• Monitor credit approvals and schedule restructuring as required.
• Perform other duties as assigned by Head Retail Lending.

Requirements:

• A good first degree in any discipline
• Proficient with Microsoft Office (Word, especially Excel, and PowerPoint).
• Understand financial products thoroughly.
• Understand business development, market engagement, and lead generation
• Excellent business communication and strong leadership skills.
• Heightened negotiation, presentation, and persuasion skills.
• Heightened analytical skills.
• Research-oriented.
• Deep understanding of SME products and services.
• Excellent product development capabilities.
• Good understanding of the regulatory framework of structured and other forms of finance in Nigeria and around the world.