SME Relationship Officer at ADDOSSER Microfinance Bank Limited

ADDOSSER Microfinance Bank Limited plays a vital role in expanding the financial opportunities for Micro, Small, and Medium Enterprises (MSMEs) by offering them access to finance through a range of value-added products and services. Established in 2008, Addosser Microfinance Bank Limited has emerged as one of Nigeria’s leading microfinance banks. We cater to a diverse customer base of over 103,000 clients, serving their unique financial needs through our four distinct business groups: Retail and Microenterprise Banking, SME Banking, Consumer Banking, and Specialized Products & Investment. Our comprehensive suite of products and services ensures that we provide tailored solutions to support the growth and success of businesses across various sectors.

Title: SME Relationship Officer

Location: Lagos Island, Orile, Ajegunle, Alaba Branch – Lagos

Employment Type: Full-time

Job Description

• Prospect for new SME clients and assist with their loan applications.
• Recommendation of Loans: Recommendation of loans to the Credit Unit for approval.
• Analyze and interpret financial statements of the business in order to access the repayment capacity and financial capacity of the borrower.
• Monitoring and Follow up with Repayment: ensure 100% repayment of disbursed loans.
• Conducts loan appraisals and collects detailed information (personal, business, and guarantors). All clients and guarantors applying for loans for their businesses and Offices must be visited before disbursement is carried out.
• Market intelligence – develop market intelligence, detailed research, competition analysis and database with the view to capture the assigned market space.
• Develop sales initiative/Conduct Product Campaign: acquire an impeccable knowledge of all products/services, develop a strategy in communicating product essentials to get buy-in through all available platforms (one–on–one, social media, target group engagement and other sales channels)
• Develop new markets –develop new wider and deeper markets by reaching organizations, associations and communities with customized banking services offering the unique selling proposition of the bank.
• Manage correspondence: maintain swift correspondence with inter/intra dependent roles, customers, reporting line and every stakeholder in the sales pipeline to ensure excellent and satisfactory service delivery to customers.
• Maintain contact and good relationships with clients.
• Growth and development: study market/industry trends/initiatives per time to boost personal and target delivery per timeline.
• Execute all other jobs as assigned by team lead and management.

Relevant Skills, Qualification, Attributes & Experience

• B.Sc / HND in Social Sciences or any other relevant course of study.
• Minimum of 2 years’ cognate experience in SME Lending in any Financial Institution (preferably a Microfinance Bank/ Finance house)
• Ability to evaluate needs of customers and determine what products or services would best serve those needs
• Good interpersonal relationship skills.
• Excellent Analytical Skills.
• Must be computer literate.
• Excellent communication, reporting skills.

Deadline: 11th July, 2023.

How to Apply: Interested and qualified candidates should send their CV to: [email protected] indicating the Job Title as the subject of the mail.