Job Title: Team Member, SME Product Asset
Company: Access Bank Plc
Location: Lagos
Job Grade: ABO
Employment Type: Not Specified
Access Bank Plc is a financial institution with operations in nine African countries and the United Kingdom, as well as a presence in major cities across Nigeria. Recognised as Africa’s Bank of Best Practice, the bank operates on the principles of strong ethics, good corporate governance and professionalism.
Job Overview
Access Bank Plc is seeking a qualified candidate for the position of Team Member, SME Product Asset. The successful candidate will support the day-to-day administration, origination, processing and monitoring of the bank’s risk asset products, including credit and loan facilities for small and medium-sized enterprises (SMEs).
Key Responsibilities
- Support the design, development and rollout of risk asset products, including term loans, overdrafts, working capital finance, asset finance, mortgage loans, SME loans and invoice discounting.
- Liaise with Relationship Managers, Credit Risk Management, Legal and Credit Operations teams to ensure the smooth disbursement of approved facilities.
- Assist in preparing marketing proposals targeting different sectors, developing product papers and obtaining other internal credit-related approvals for supervisory review.
- Conduct preliminary Know Your Customer (KYC) checks, customer eligibility profiling and credit analysis.
- Monitor the performance of disbursed risk assets, track maturing obligations and identify early warning signs of delinquency.
- Maintain accurate product documentation and credit records in line with Central Bank of Nigeria (CBN) and internal audit requirements.
- Gather data and prepare periodic reports on risk asset portfolio performance, product profitability and risk metrics, including Portfolio at Risk (PAR) and Non-Performing Loans (NPLs).
- Provide first-line product support to SME sales officers at branches and external customers on product features, pricing and processes.
- Conduct market research and competitor product benchmarking within the Nigerian banking industry.
Qualifications and Experience
- Bachelor’s degree in Business Administration, Economics, Finance or a related field.
- Minimum of two years’ relevant work experience.
- Proficiency in Microsoft Office applications, particularly Excel, Word and PowerPoint.
- Knowledge of Power BI and SQL.
- Basic knowledge of credit analysis and financial statement analysis.
Required Skills and Competencies
- Understanding of risk asset products.
- Familiarity with CBN Prudential Guidelines, basic IFRS 9 requirements, Anti-Money Laundering and Combating the Financing of Terrorism (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.
- Good customer service orientation and interpersonal skills.
- Integrity, confidentiality and high ethical standards.
- Ability to work effectively in a team and willingness to learn.
How to Apply
Interested and qualified candidates should apply online through the link below:
Application Closing Date
Not Specified.