Retail & SME Credit Officer

JOB SUMMARY
The officer in this role will drive business growth by working closely with the Unit Head to identify
high-potential commercial loan opportunities, develop competitive products, and mobilize
resources to secure a strong market presence. Success in this role will be measured by the ability
to consistently win new business, expand the customer base, and maximize revenue, while
ensuring that the Portfolio at Risk (PAR) remains below 5.0% ensuring sound credit quality and
sustainability.

KEY RESPONSIBILITIES
• Identify and develop new loan opportunities through market analysis and referral
networks.
• Engage prospects, evaluate creditworthiness, and structure suitable loan products.
• Guide clients through the loan process, compute repayment schedules, and provide
financial advice.
• Monitor loan performance, follow up with clients, and ensure credit facilities are properly
utilized.
• Review loan agreements, maintain accurate records, and safeguard collaterals.

REQUIREMENTS
• Bachelor’s degree in Business, Finance, Economics, or related field.
• 3–4 years’ experience in lending, credit, or financial services.
• Strong credit analysis and risk management skills.
• Excellent communication, negotiation, and client relationship skills.
• Solid understanding of financial statements and ability to conduct cash flow and
repayment capacity analysis.
• Strong interpersonal and negotiation skills with the ability to build lasting client relationships.
• Proficiency in MS Office applications (Excel, Word, PowerPoint
• Target-driven with high integrity and strong attention to detail.

How To Apply

Interested and qualified candidates should send their CVs to [email protected] using the job title as the subject of the application.