JOB DESCRIPTION: Operations Officer

DEPARTMENT: Operations

Summary

The Operations officer will be responsible for ensuring an error and fraud free processing of the day to day transactions. In addition to the primary responsibilities below, management may assign other related duties from time to time.

PRIMARY RESPONSIBILITIES

• Processing of customers deposit and withdrawal request
• Posting of daily transactions
• Balancing of accounts
• Loan disbursements
• Booking of Investments
• Call over of posted transactions
• Accounts reconciliation
• Processing of PAYE and PENSIONS remittances
• Liaise with our IT consultants to resolve IT related issues

QUALIFICATION, SKILLS AND EXPERIENCE

• A minimum of first degree or HND with 2:2 or lower credit
• Minimum of 2 year experience in banking operations
• Unquestioned integrity
• Attention to detail
• Comfortable working with numbers
• Basic accounting knowledge preferred
• Moderate proficiency in MS Excel
• Customer-service oriented
• Good team player

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JOB DESCRIPTION: Senior Risk and Monitoring Officer

DEPARTMENT: Risk and Compliance

Summary

The Senior Risk and Monitoring Officer will be responsible for ensuring the soundness of the loan portfolio, through the monitoring of loans, regular reviews of the portfolio and recovery of delinquent loans.

ESSENTIAL RESPONSIBILITIES

• A minimum of first degree or HND with 2:2 or lower credit
• Minimum of 2 year experience in banking operations
• Unquestioned integrity
• Attention to detail
• Comfortable working with numbers
• Basic accounting knowledge preferred
• Moderate proficiency in MS Excel
• Customer-service oriented
• Good team player

QUALIFICATION, SKILLS AND EXPERIENCE

• A minimum of first degree or HND with 2:2 or lower credit
• Minimum of 2 year experience in banking operations
• Unquestioned integrity
• Attention to detail
• Comfortable working with numbers
• Basic accounting knowledge preferred
• Moderate proficiency in MS Excel
• Customer-service oriented
• Good team player

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JOB DESCRIPTION: Loan Officer

REPORTS TO: HEAD, BUSINESS DEVELOPMENT

LOCATION: HEAD OFFICE

Job Overview

• Source for borrowing clients within specified catchment area
• Administer all aspects of client relationship from customer acquisition to loan request evaluation and application, management and timely repayment
• Ensure close monitoring of disbursed loans in their portfolio to ensure that delayed payments and defaults are kept to the barest minimum.
• Develop sound knowledge of client businesses
• Ensure client files and documentation are kept up to date
• Contribute to development and marketing of new products and services based on client interactions, in line with the bank’s strategy.
• Build solid customer relationships and ensure customer loyalty and satisfaction
• Ensure customer retention within parameters specified by management.
• For group loans, administer group formation, lead group meetings and ensure timely repayment of group loans
• Ensure achievement of approved business targets in compliance with lending guidelines and other regulations.
• Prepare performance reports for management as required

QUALIFICATIONS

• First degree/HND in finance, management or other numerate discipline
• Proficiency with MS Office tools especially Word, Excel
• Minimum of 3 years’ experience in microfinance lending
• Field experience with marketing and loan collections essential
• Familiarity with banking applications preferred

KEY COMPETENCIES

• Unquestioned integrity
• Ability to thrive in a goal-setting environment
• Strong communications and interpersonal skills
• Excellent marketing and selling skills
• Strong client engagement/customer service disposition
• Creativity to deepen customer engagement

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