JOB SUMMARY

The Business Development Officer (BDO) – Commercial Lending is responsible for driving portfolio growth and revenue for Massy Finance GFC Ltd (MFGFC) by originating, structuring, and closing commercial credit facilities. The role involves managing relationships with Corporate Clients, Sole Traders, and Partnerships, ensuring high credit quality, strong client engagement, and alignment with strategic and financial goals.

Key responsibilities include sourcing new business, preparing and presenting credit proposals, executing transactions, and overseeing post-disbursement servicing. Success requires close collaboration with internal teams, proactive engagement with dealerships and stakeholders, and strict adherence to regulatory and risk management standards.

KEY RESPONSIBILITIES

Sales and Business Development

• Proactively source commercial lending opportunities through outreach, referrals, and engagement with dealerships and ecosystem partners, while identifying cross-sell and up-sell opportunities to expand MFGFC’s product footprint.
• Build and manage a robust pipeline of prospects, ensuring timely follow-up and implementing effective conversion strategies to consistently achieve monthly and quarterly sales targets.
• Participate in sales events and promotional activities to drive lead generation and support the achievement of commercial lending sales targets.
• Execute core lending activities including site visits, client meetings, and presentations to assess financial needs, gather business intelligence, and deliver tailored financing solutions.
• Maintain detailed records of client interactions and deal stages to support sales forecasting and strategic initiatives.

Portfolio and Relationship Management

• Provide customized financial solutions by thoroughly understanding each client’s unique needs and business objectives.
• Execute the full frontline lifecycle - from application origination to disbursement - by conducting in-depth financial analysis, engaging clients through interviews, preparing proposals, and completing loan closing activities.
• Build trusted relationships with internal teams and key stakeholders to support seamless credit application workflows and ensure consistent communication throughout each stage of the process.
• Conduct timely annual reviews on assigned accounts, prepare proposals for approval, and ensure compliance with loan terms and conditions to support sound portfolio management.
• Manage customer complaints through timely resolution and appropriate escalation to ensure service quality and client satisfaction.
• Oversee a portfolio of assigned clients, ensuring high levels of satisfaction, retention, and low delinquency through proactive post-disbursement support, including arrears management, restructuring, and identifying opportunities for additional services.

Compliance and Risk Management

• Ensure adherence to AML, ATF, regulatory guidelines, MFGFC’s policies, procedures and requirements.
• Conduct thorough due diligence on all credit applications, ensuring data accuracy, integrity, and compliance with internal policies and regulatory requirements. This includes fulfilling all Know Your Customer (KYC) obligations and acting as the first line of defence in identifying and mitigating potential risks.

MINIMUM QUALIFICATIONS AND EXPERIENCE

• Bachelor's Degree in Business Management, Finance or related discipline
• A minimum of three (3) years of progressive experience in commercial banking or financial services

KNOWLEDGE, SKILLS AND ABILITIES

• Strong financial and credit analysis skills
• Deal structuring and proposal writing
• Sales negotiation and pipeline management
• Experience in fostering strategic partnerships.
• Customer-centric relationship management
• Financial products, risk management, and regulatory compliance (AML/ATF)
• Market trends, competitor analysis, and CRM tools
• Proficiency in MS Office Suite
• Effective communication, time management, and analytical skills
• Demonstrates initiative, autonomy, and reliable judgment.
• Adaptability, sound judgement, and attention to detail
• Team collaboration, integrity, and confidentiality