Team Member, SME Product Asset

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.

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 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.

• 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.

How to apply Interested and qualified candidates should: Click here to apply online

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