Access Bank Plc is a leading full-service commercial bank and a wholly owned subsidiary of Access Holdings Plc, operating across Africa and beyond with a strong presence in Nigeria and international markets. Its mission is to set standards for sustainable business practices that ignite the talents of its employees and create superior value for its stakeholders, guided by the purpose of making a positive impact in Africa and the vision of becoming the world’s most respected African bank—delivering profitable, environmentally responsible, and socially relevant growth through excellence, innovation, and a deep passion for customers.
Access Bank Plc is recruiting to fill the position below:
Job Title: Team Member, SME Product Asset
Location: Lagos
Salary Offer: (NGN) – 0 / Monthly
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.
Application Closing Date
Not Specifred.
How to Apply
Interested and qualified candidates should:
Click here to apply online