SME Sales Associate at Assets Microfinance Bank

Responsibilities

• Drive sales of loan products by identifying and pursuing key opportunities
• Monitor and review loan portfolios regularly to minimize risk
• Manage and retain relationships with existing clients
• Evaluate creditworthiness by processing loan applications and required documentation
• Interview applicants to determine financial eligibility and loan feasibility
• Determine applicable ratios and metrics, and establish debt payment plans
• Communicate with clients to request or provide information as needed
• Justify approval and rejection decisions and report on them periodically
• Complete loan contracts and counsel clients on policies and restrictions
• Update knowledge on loan types and other financial services
• Maintain and update account records accurately
• Assess customer needs and explore cross-selling and upselling opportunities
• Develop referral networks and maintain relevant industry knowledge
• Suggest alternate channels and cross-sell products and services to meet quotas

Requirements

• First degree in Sales, Marketing, Business, Accounting, Finance, or related field
• Minimum 2 years of proven experience in SME and personal loan sales, particularly in Microfinance Banks
• Strong knowledge of retail and SME banking products and services
• Ability to work with targets and thrive in a performance-driven environment
• High level of integrity, professionalism, and customer service orientation