SME Officer at Accion Microfinance Bank

Title: SME Officer | Accion Microfinance Bank | Location: Lagos

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Role Responsibilities
  • Ensure accurate loan evaluations, the efficient follow-up of arrears, and the provision of strong client service.
  • Maintain up-to-date client records and reports.
  • 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.
  • 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.
  • Ensure an appropriate guarantee is in place and is documented.
  • Determine and present loan terms and conditions to credit committee.
  • Participate in credit committees and providing input on other members? loan proposals.
  • Prepare and present own loan proposals to credit committee.
  • 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.
  • 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.
  • To be knowledgeable and known in the assigned geographic zone.
  • To build rapport within the community, business associations and leaders
  • To be known and visible in the community
  • To have goodwill of the community towards Accion MfB.
  • Provide support to peers and others within Accion MfB in uplifting its values and policies.
Qualification & Experiences
  • A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.
  • Must have completed NYSC
  • Minimum 4 years? experience with at last 2 years in micro finance lending
  • Experience in credit of financial service industry will be an added advantage.
Key Performance
  • Ability to assess character of potential clients
  • Ability to develop strong financial analysis skills
  • Independent worker; honest and of high integrity
  • Strong interpersonal skills
Required Knowledge
  • Understand the local area where they are working
  • Computer literacy

Application Closing Date
May 31, 2021.

Method of Application
Interested and qualified candidates should:
Click here to apply