Team Member, SME Product Asset

Access Bank Plc is a financial institution with presence in 9 countries in Africa and the United Kingdom and in all major cities in Nigeria. Also referred to as the Africa's Bank of Best Practice, Access Bank operates on a platform of strong ethics, governance and professionalism. We are recruiting to fill the position below:

Job Title: Team Member, SME Product Asset Job Grade: ABO

Location: Lagos Job Overview The product officer is responsible for supporting the day-to-day administration, origination, processing, and monitoring of the bank's risk asset (credit/loan) products.

Key Responsibilities

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

Qualifications & Experience

Bachelor’s Degree in Business Administration, Economics, Finance or related fields. Minimum 2 years of relevant experience. Proficiency in MS Office (especially Excel, Word, PowerPoint), Power BI, SQL. Basic knowledge of credit analysis and foundational financial statement analysis. Skills/Competence

Requirements

Understanding of risk asset products. Familiarity with CBN Prudential Guidelines, IFRS 9 (basic), AML/CFT, and credit risk frameworks. Strong numerical, analytical, and problem-solving skills. Excellent written and verbal communication skills. Attention to detail, accuracy, and strong documentation discipline. Customer service orientation and good interpersonal skills. Integrity, confidentiality, and high ethical standards. Teamwork and willingness to learn.