Team Member, SME Product Asset

About the role

Access Bank is hiring a Team Member (Product Officer) for its SME Product Asset function in Lagos. The role supports the day-to-day administration, origination, processing and monitoring of the bank's risk asset (credit/loan) products, including SME loans.

Key responsibilities

• Support the design, development and rollout of risk asset products such as term loans, overdrafts, working capital finance, asset finance, mortgage loans, invoice discounting and SME loans.
• Liaise with Relationship Managers, Credit Risk Management, Legal and Credit Operations to ensure smooth disbursement of approved facilities.
• Assist in preparing marketing proposals, product papers and other internal credit-related approvals for supervisor review.
• Conduct preliminary KYC, customer eligibility profiling and credit analysis.
• Monitor disbursed risk assets and maturing obligations, flagging 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 portfolio performance, product profitability and risk metrics (PAR, NPL).
• Provide first-line product support to SME sales officers at branches and external customers on features, pricing and processes.
• Assist in market research and competitor product benchmarking within the Nigerian banking industry.

Required profile

• Bachelor's degree in Business Administration, Economics, Finance or a related field.
• Minimum 2 years of relevant experience.
• Understanding of risk asset products and familiarity with CBN Prudential Guidelines, IFRS 9 (basic), AML/CFT and credit risk frameworks.
• Strong numerical, analytical and problem-solving skills, attention to detail and documentation discipline.
• Good written and verbal communication, customer service orientation, integrity and confidentiality.

Required skills

• Proficiency in MS Office (Excel, Word, PowerPoint)
• Power BI and SQL
• Basic knowledge of credit analysis and financial statement analysis

Only shortlisted candidates will be contacted.