Team Member, SME Product Asset

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. Requirements Skills/Competence Requirements Required Knowledge, Skills and Abilities: - 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.