LOCATION: Delta
CANDIDATE RESIDENCY : The candidate is expected to be fully resident in the above location
KEY RESPONSIBILITIES:
1. Promotion of products and origination of new clients
Build and maintain portfolio of quality clients rapidly and consistently to reach target portfolio within assigned period.
Liaise with community organizations, business associations, and individual entrepreneurs;
Identify potential clients;
Sensitize potential clients on all aspects of the loan program: procedures to apply, the terms and conditions, the incentives for good performance, and penalties for late repayment and default.
Communicating with managers/clients to understand the marketing needs and objectives
2. Conduct loan evaluations according to policies and procedures
Develop an accurate evaluation of each client’s capacity and willingness to repay the requested loan.
Correctly complete loan application and evaluation process
Arrange and undertake business site visits;
Verify and cross-check all information relevant to the loan application and evaluation;
Evaluate the willingness and capacity to repay of the client;
Ensure an appropriate guarantee is in place and documented;
Determine and present loan terms and conditions to credit committee.
3. Credit committee member
Participate in credit committees providing input on other members’ loan proposals;
Prepare and present own loan proposals to credit committee.
4. Provide high-quality customer service
Develop relationship with each client to support the business success and cultivate loyalty.
Monitor client business progress to identify any potential problems;
Offer suggestions and referrals where appropriate and within company policy;
Demonstrate a concern and build client rapport.
5. Manage and recover late repayments
Implement late repayment recovery procedures of Accion MfB;
Achieve and maintain targets on portfolio at risk and loan loss;
Emphasize the importance of on-time repayment with clients;
Monitor repayment reports daily and client behavior patterns.
Encourage client on mobile banking
6. Build community rapport
Become knowledgeable and known in the assigned geographic zone.
Build rapport with community, business associations and leaders;
Be known and visible in the community;
Develop goodwill of community towards Accion MfB.
7. Support the Accion MfB Team
Provide support to peers and others within Accion MfB in uplifting its values and policies.
Qualification and Experience
A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.
Must have completed NYSC
Understand the local area where they are working
Strong interpersonal skills
Ability to develop strong financial analysis skills
Ability to assess character of potential clients
Computer literacy
Independent worker; honest and of high integrity
Experience in credit of financial service industry will be an added advantage.
Minimum of 4 years’ experience as a senior relationship officer and/or supervisor in a reputable Microfinance or Commercial Bank