Experience SME and Project Finance Officer at Spectrum Microfinance Bank Limited

Spectrum Microfinance Bank is a customer-centric retail financial institution driven by technology; licensed by the Central Bank of Nigeria (CBN) to support economic growth and development through microfinancing. Spectrum Microfinance Bank offers savings, loan, and investment opportunities to a wide range of customers with the aim of creating self-sufficient individuals and sustainable businesses.

We are recruiting to fill the position below:

Job Title: Experience SME and Project Finance Officer

Location: Lagos Mainland, Lagos
Employment Type: Full-time

Job Summary

• Experienced SME Officer at of the Bank will be responsible for setting the strategic agenda for SME.

Job Description

• SME Loan Officer is responsible for processing loan applications for SME and corporate clients, as well as monitoring the loan portfolio.

Duties and Responsibilities

• Prospect new SME clients and assists them with loan applications.
• Has the ability to analyze and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower.
• Conducts loan appraisals and collects detailed information (personal, business, and guaranties) and arranges to open a new loan account.
• Prepares and executes loan contracts and arrange for disbursement of loan in kind.
• Have good knowledge about guidelines of the regulatory body and be able to prepare loan reports for internal and external use.
• Monitors the loan and follows up on the timely repayment.
• Maintain contact and maintain good relationships with clients.
• Ensure full compliance with all in-place.
• Any other task as assigned by the Head of Department.

Skills and Specifications

• Bachelor's Degree in Banking & Finance or Accounting
• At least 1-2 years prior experience in the credit/SME department from a Microfinance bank.
• Organisational 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, PowerPoint).
• Analysis and reporting skills.
• Problem-solving and decision making.

Other Requirements:

• Good understanding of business processes.
• Ability to communicate and maintain good relations with the client.
• Good presentation skills and excellent courteous attitude; social concern.
• Ability to work in confidentiality; ability to work in the field.

Salary
Very Competitive and attractive with Incentives.

Application Closing Date
22nd April, 2022.

Method of Application
Interested and qualified candidates should send their CV to: [email protected] using the Job Title as the subject of the email.

Note: Only shortlisted candidates will be contacted.