Senior Account Officer - Delta

2023-01-16
Accion Microfinance Bank
Delta
Full Time

Description

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
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