REQUIREMENTS:

• Minimum 4 years of experience in commercial banking, SME lending, or relationship management, with a strong focus on business development and credit analysis.
• Proven track record in originating and managing SME loan portfolios, achieving lending targets, and mitigating credit risks.
• Strong financial analysis skills, including the ability to assess business financial statements, evaluate credit risk, and conduct cash flow modeling.
• Familiarity with credit underwriting standards, loan structuring techniques, and SME risk mitigation strategies.
• Excellent communication and interpersonal skills, with the ability to build strong client relationships and negotiate effectively.
• Ability to explain complex financial concepts clearly and concisely, both verbally and in writing.
• Strong networking skills with the ability to engage business owners, industry associations, and referral partners.
  Job Type: Full-time
  Pay: From $3,500.00 per month
  Work Location: In perso

• Develop and maintain strong relationships with SME clients, understanding their financing needs and business goals.
• Serve as the primary contact for SME clients, addressing inquiries, concerns, and requests efficiently.
• Gain in-depth knowledge of clients’ industries and market trends to provide tailored financial solutions.
• Identify and pursue new lending opportunities within the SME segment through prospecting and lead generation.
• Conduct thorough credit assessments, evaluating applicants’ financial stability, repayment capacity, and overall creditworthiness.
• Structure and negotiate loan terms in compliance with lending policies, regulatory guidelines, and risk management protocols.
• Manage a portfolio of SME loan accounts, monitoring loan performance, repayment behavior, and adherence to loan agreements.
• Proactively identify potential credit risks or delinquencies and implement appropriate risk mitigation strategies.
• Collaborate with credit analysts, legal teams, and other internal stakeholders to ensure efficient loan processing and documentation.
• Provide financial advisory services to SME clients, offering guidance on business growth, cash flow management, and capital allocation.
• Assist clients in preparing loan applications and required documentation, guiding them through the approval and disbursement process.