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SME Sales Officers
Moni
Sales & Business Development
Lagos, Nigeria · Remote
Posted on Oct 6, 2025
Key Responsibilities:
- Source and onboard SME clients in line with the company’s credit policies.
- Assess creditworthiness by analyzing financial statements, cash flow, and business plans.
- Prepare and submit credit memos and loan proposals for approval.
- Monitor and manage loan portfolio performance, ensuring timely repayments and identifying early warning signals.
- Maintain good relationships with clients and provide financial advice when necessary.
- Ensure loan documentation is complete and in compliance with regulatory and internal requirements.
- Conduct regular field visits to verify business operations and gather credit intelligence.
- Provide periodic reports and updates on SME portfolio performance.
- Work with the collections team to recover overdue loans and minimize bad debt.
Requirements:
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.
- Minimum of 3–4 years’ experience in SME lending, credit analysis, or financial services.
- Strong financial analysis and risk assessment skills.
- Good understanding of SME business models and the challenges faced by small businesses.
- Excellent communication, negotiation, and interpersonal skills.
- Ability to work independently and meet set targets.
- Proficiency in MS Office and loan management software is an added advantage.