Loans Account Officer for SME  

Main Responsbilities:

• Business Development: Proactively identify, acquire, and manage SME clients with financing needs to grow the loan portfolio.
• Portfolio Transfer: Bring an existing network of clients and relationships, with the ability to transfer part or all of a performing SME loan portfolio to our institution.
• Loan Origination: Assess loan applications, perform due diligence, prepare credit proposals, and ensure timely approval and disbursement of loans.
• Relationship Management: Maintain and deepen client relationships by offering tailored financial solutions and ensuring high levels of client satisfaction.
• Credit Quality: Conduct thorough credit assessments to ensure loan quality and minimize delinquencies.
• Target Achievement: Meet or exceed agreed business targets in terms of loan volume, yield, and portfolio quality.
• Collaboration: Work closely with internal departments (credit, risk, operations) to ensure smooth loan processing and client onboarding.
• Market Intelligence: Keep abreast of market trends, competitor activities, and regulatory changes affecting the SME sector.

Duties and Responsibilities :

• Conduct field visits to clients' businesses for evaluation and monitoring.
• Structure loan products based on business cash flows and financing capacity.
• Monitor repayment behavior and proactively manage early warning signals to reduce NPLs.
• Prepare comprehensive credit appraisal reports for submission to the credit committee.
• Cross-sell other financial products relevant to SME clients.
• Support collection efforts where necessary and ensure timely loan renewals.
• Maintain accurate and updated client records in the loan management system.
• Provide feedback and suggestions to enhance loan products and improve internal processes.
• Participate in training and development sessions to stay updated with best practices and policies.

• College graduate preferably in the field of commerce, finance, management, or a related field.
• At least 3-5 years of leadership experience in SME Lending with a proven and transferable portfolio.
• Strong credit analysis, risk assessment, and financial structuring skills.
• Excellent interpersonal, communication, and negotiation abilities.
• Strong network in the SME sector and an understanding of local business dynamics.
• With a strong resolve to deliver the target; creativity and problem-solving skills; works with a high degree of integrity.