Team Member, SME Product Asset

Team Member, SME Product Asset

• Job Type Full Time
• Qualification BA/BSc/HND
• Experience 2 years
• Location Lagos
• Job Field Banking

Job Grade: ABO

Job Overview:

The product officer is responsible for supporting the day-to-day administration, origination, processing, and monitoring of the bank's risk asset (credit/loan) products.

Key Responsibilities

• Support the design, development, and rollout of risk asset products (term/Time loans, overdrafts, working capital finance, asset finance, mortgage loans, SME loans, invoice discounting, etc.).

• Liaise with Relationship Managers, Credit Risk Management, Legal, and Credit Operations to ensure smooth disbursement of approved facilities.

• Assist in preparing Marketing proposals targeted at different sectors, develop product papers, and other internal credit related approvals for review by the supervisors.

• Conduct preliminary KYC, customer eligibility profiling, and credit analysis.

• Monitor performance of disbursed risk assets, monitor maturing obligations, and flag early warning signs of delinquency.

• Maintain accurate product documentation and credit records in line with CBN and internal audit requirements.

• Support data gathering and prepare periodic reports on Risk Asset portfolio performance, product profitability, and risk metrics (PAR, NPL, etc.).

• Provide first-line product support to SME sales officers at branches and external customers where applicable, regarding features, pricing, and processes of risk asset products.

• Assist in market research and competitor product benchmarking within the Nigerian banking industry.

• Skills/Competence Requirements

• Understanding of risk asset products.

• Familiarity with CBN Prudential Guidelines, IFRS 9 (basic), AML/CFT, and credit risk frameworks.

• Strong numerical, analytical, and problem-solving skills.

• Excellent written and verbal communication skills.

• Attention to detail, accuracy, and strong documentation discipline.

• Customer service orientation and good interpersonal skills.

• Integrity, confidentiality, and high ethical standards.

• Teamwork and willingness to learn.

• Qualifications & Experience

• Bachelor’s degree in Business Administration, Economics, Finance or related fields.

• Minimum 2 years of relevant experience.

• Proficiency in MS Office (especially Excel, Word, PowerPoint), Power BI, SQL.

• Basic knowledge of credit analysis and foundational financial statement analysis.

• Only shortlisted candidates will be contacted.

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