# Team Member, SME Product Asset

**Company:** [Access Bank PLC](https://jobs.workable.com/companies/jU5uuADvabUAgH2TVVPaCN.md)
**Location:** Lagos, Nigeria
**Workplace:** on site
**Employment type:** Full-time
**Department:** Retail Banking

[Apply for this job](https://jobs.workable.com/view/606e1117-54c1-41ee-a478-13353bb74fb0)

## Description

**Job Grade**: ABO

**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.

## Requirements

**Skills/Competence Requirements**

_Required Knowledge, Skills and Abilities:_

-   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.

**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.

Only shortlisted candidates will be contacted.