Senior Business Development Officer – Secured Lending at SKM Africa

Key Responsibilities

• Business Development & Origination
• Originate and grow a logbook and asset-based lending business through dealers, agents, referrals, and direct sourcing.
• Structure appropriate loan facilities based on asset value, client repayment capacity, and risk profile.
• Actively grow customer numbers while maintaining disciplined credit standards.
• Credit & Asset Evaluation
• Conduct detailed borrower assessments, including income analysis, cash-flow review, and affordability checks.
• Verify ownership, condition, and market value of motor vehicles and other movable assets offered as collateral.
• Work closely with the Credit Perfection Team to ensure proper valuation, registration, and perfection of securities.
• Portfolio Quality & Risk Management
• Ensure compliance with all KYC, AML, credit, and collateral-management policies.
• Maintain a high-quality portfolio by monitoring repayments, flagging early warning signs, and supporting collections.
• Ensure all loan documentation and asset custody controls are accurate and up to date.
• Customer & Relationship Management
• Build strong, long-term client relationships anchored on transparency and service excellence.
• Drive repeat business and referrals through effective post-disbursement engagement.
• Reporting & Performance Management
• Submit accurate and timely sales, disbursement, portfolio, and asset-tracking reports.
• Track performance against targets and contribute to continuous improvement initiatives.
• Support, grow, and mentor junior BD Executives to deliver consistent performance.

Requirements

• Bachelor’s degree (Business-related field preferred).
• At least 4 years’ experience in logbook finance, asset-based lending, microfinance, or banking.
• Strong understanding of collateralized lending and portfolio management.
• Strong understanding of credit risk, collateral evaluation, and customer lifecycle management.
• Excellent communication, negotiation, and relationship-management skills.
• Results-driven, persuasive, and highly self-motivated.
• High integrity, strong ethics, and commitment to responsible lending