An established financial institution is seeking qualified and motivated individuals to join its growing team. The organization continues to strengthen its operations, enhance customer service, and promote financial inclusion by providing innovative and sustainable financial solutions. As part of its ongoing commitment to excellence and professional growth, the institution is pleased to announce exciting career opportunities within its Credit and Operations departments.
Position Title: Senior Officer, Retail/SME Dealer
Band/Level: Senior Officer
Department: Credit
Contract Terms: Open Ended
Length of Contract: Open Ended
Location: Head Office
Expiry Date: 19 November 2025
Job Overview
The Senior Officer, Retail/SME Dealer, will play a critical role in managing and growing the organization’s Retail and Small and Medium Enterprise (SME) credit portfolio. This position is responsible for developing, maintaining, and expanding business relationships with existing and potential SME clients while ensuring the credit process is managed effectively from origination to recovery. The incumbent will work closely with other departments to ensure products and services meet client needs and align with the institution’s credit risk management policies.
Key Responsibilities
Credit Portfolio Management
- Manage the Retail and SME credit portfolio, ensuring proper monitoring of client performance and adherence to approved terms and conditions.
- Conduct detailed credit analysis and prepare credit proposals for both new and existing clients in line with internal lending policies.
- Oversee the review and renewal of credit facilities to ensure portfolio quality and compliance with regulatory requirements.
- Identify potential problem accounts early and take appropriate action to mitigate risks.
Client Relationship Management
- Build and maintain strong, long-term relationships with clients by offering tailored financial solutions that meet their business needs.
- Provide professional advice to clients on loan structures, credit products, and other financial services offered by the institution.
- Ensure timely response to client queries, complaints, and service requests while maintaining high customer satisfaction standards.
- Participate in business development activities, including client meetings, networking events, and market research initiatives to identify new business opportunities.
Credit Risk and Compliance
- Ensure all credit applications meet internal and regulatory compliance requirements.
- Work closely with the Risk and Legal departments to ensure that all credit documentation is accurate, complete, and legally enforceable.
- Monitor the overall health of the credit portfolio by analyzing financial reports, client performance, and market trends.
- Prepare and submit periodic reports on portfolio performance, credit quality, and business development initiatives.
Product Development and Market Analysis
- Collaborate with the Product Development team to enhance and tailor financial solutions to meet SME and retail clients’ evolving needs.
- Conduct market research to identify trends, opportunities, and emerging risks within the SME sector.
- Recommend new lending products or improvements to existing ones to remain competitive in the market.
Cross-functional Collaboration
- Liaise with the Operations, Risk, and Finance departments to ensure smooth loan processing and timely disbursement of approved facilities.
- Support the collection and recovery teams in ensuring prompt repayment of loans and effective management of non-performing accounts.
- Participate in departmental and cross-departmental meetings to contribute to institutional strategy and operational improvements.
Personal Attributes and Competencies
The ideal candidate should demonstrate sound judgment, strong analytical capabilities, and a results-oriented mindset. The role requires excellent interpersonal skills, attention to detail, and a deep understanding of credit management processes. The Senior Officer should be proactive, resourceful, and able to thrive in a dynamic work environment.
Application Procedure
Interested candidates are invited to submit their applications before the expiry date indicated for each position. Applicants should clearly state the position they are applying for and ensure that their applications include all required documentation as specified by the employer.
Applications should be sent to the designated email address provided in the job posting. Only shortlisted candidates will be contacted for further selection processes.
Both roles present unique opportunities for individuals at different career stages—whether seeking to build a solid foundation through an internship or advance an existing career in credit management. The institution values professionalism, integrity, and innovation and provides a supportive environment where employees can thrive and contribute meaningfully to organizational goals.
For the Senior Officer, Retail/SME Dealer position, candidates will have the chance to shape and manage credit portfolios that directly impact business growth, while for the Internship position, individuals will acquire essential exposure and foundational experience in the financial operations domain.
Qualified applicants are encouraged to take advantage of these opportunities and submit their applications before 19 November 2025.
