Locations : Abuja (FCT), Lagos, Ondo, Ogun, Anambra, Edo, Delta, Rivers, Kano, Akwa Ibom and Abia
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 a 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 the credit committee.
Participate in credit committees and providing input on other members? loan proposals.
Prepare and present own loan proposals to the credit committee.
Develop a relationship with each client to support the business's success and cultivate loyalty.
Monitor client business progress to identify any potential problems
Offer suggestions and referrals where appropriate and within company policy
Demonstrate 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 the 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 microfinance lending
Experience in a credit of the financial service industry will be an added advantage.
Key Performance :
Ability to assess the 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