Senior SME Sales Officer at Undisclosed Company – Abuja (FCT), Lagos State and Rivers State

An undisclosed SME financial services company is recruiting three Senior SME Sales Officers for Abuja, Lagos and Port Harcourt. The officers will develop business-loan portfolios, assess SME borrowers, manage relationships and monitor loan performance.

Job Summary

To promote and sell the organisation’s business loan products to Small and Medium sized Enterprises (SME).

To identify prospects, build relationships with business owners, guide them through the application process and hit loan disbursement and portfolio quality targets.

Key Roles and Responsibilities

• Prospects new clients and assists them for loan application.
• Improving the profitability of SME portfolio.
• Implementing field visits to SME clients
• Ensure the implementation of marketing strategy within the SME section.
• Has the ability to analyse and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower.
• Conducts loan appraisal and collects detailed information (personal, business, corporate and guaranties)
• Prepares and execute loan contracts and arrange for disbursement of loan in kind.
• Have good knowledge about guideline of regulatory body and able to prepare loan reports for internal and external use.
• Monitors the loan and follows up with the timely repayment of loan.
• Display of sound knowledge in sourcing of SME loan, corporate loan PO/Contract financing, Bridge Financing etc.
• Acquire and increase client base.
• Maintain and renew existing client network and professional relationships aligned with our company’s goals.
• Constant monitoring and review of loan portfolios
• Developing growth strategies and plans
• Managing and retaining relationships with existing clients
• Preparing of loan proposals for credit approval
• Identifying and mapping business strengths and customer needs
• Researching business opportunities and viable income streams
• Following industry trends locally and internationally

Reporting on successes and areas needing improvements Requirements

Requirements

• 10 years professional experience preferably in the SME loan transactions
• Organizational and time management skills
• Ability to work effectively in a team environment.
• Negotiation and internal relationship building
• Sound written and verbal English communication skills.
• Advanced Computer Skills (Ms. Word, Excel, Power Point)
• Analysis and Reporting Skills
• Problem Solving and Decision Making
• Proven track record
• Service-oriented and client-focused
• A team player with strong communication and good interpersonal skills
• Has managed a team of SME Financing BDMs before
• Candidates with SME Sales experience from MFBs, Commercial Banks, Merchant banks and other Finance Houses would be an added advantage.

Salary

N1,000,000 annually.