Job Description
Role Description
• This is a full time, on site role located in Abuja for a Retail/Business Banking Officer.
• The role involves engaging with clients to provide tailored financial services, managing cash and treasury operations, processing small business loans, and developing relationships with Micro, Small, and Medium Enterprises (MSMEs).
• The officer will also assist in driving financial performance through strategic banking solutions and excellent customer service.
Key Responsibilities
• Identify, acquire, and manage new and existing retail and business banking customers.
• Develop and execute strategies to grow deposits, loans, and overall customer portfolio.
• Conduct credit assessments, prepare loan proposals, and ensure proper loan documentation.
• Monitor loan repayments and maintain portfolio quality to minimize credit risk.
• Cross sell banking products and services to maximize customer value and engagement.
• Maintain strong client relationships through excellent service delivery and after sales support.
• Prepare periodic reports on sales performance, client feedback, and market trends.
• Collaborate with internal teams to ensure smooth account opening, loan processing, and service delivery.
Requirements & Qualifications
• Bachelor’s Degree in Business Administration, Banking & Finance, Economics, or any related field.
• 2 - 4 years of experience in retail or SME banking (preferably within a Microfinance or Commercial Bank).
• Proven track record in deposit mobilization, loan sales, and portfolio management.
• Strong understanding of credit analysis, financial statements, and risk management.
• Excellent communication, interpersonal, and negotiation skills.
• Proficiency in Microsoft Office and digital banking tools.
• Self-motivated, goal-oriented, and able to work independently or in a team.
• High ethical standards, integrity, and attention to detail.
Preferred Skills:
• Customer relationship management
• Sales and target orientation
• Analytical and reporting skills
• Problem solving and decision making ability