Senior SME Loan Officer

Responsibilities:

Identify, prospect, and onboard new SME clients to grow the loan portfolio

Assess and analyze loan applications, including financial statements, cash flow, and creditworthiness of businesses

Structure loan proposals in line with the company’s credit policies and risk appetite

Conduct site visits and due diligence to validate client information and business operations

Manage the end-to-end loan process from origination to disbursement

Monitor existing loan accounts to ensure timely repayment and portfolio quality

Proactively follow up on repayments and manage delinquent accounts to minimize defaults

Build and maintain strong relationships with SME clients to encourage repeat business and referrals

Prepare and present credit reports and recommendations to the credit committee

Stay updated on market trends, competitor activities, and SME sector developments

Ensure compliance with internal policies, regulatory requirements, and documentation standards 

Requirements:

A minimum of 5 years of proven experience. A minimum of an HND in a related field.