Location : Ondo
Employment Type : Full-time
Reporting to : The Managing Director
The Credit and Marketing Manager is responsible for supervision of all Business Development initiatives.
Provide effective leadership guidance in business development strategy
Achieve overall profitability target of the microfinance bank
Implement and execute regular sales activities to generate business
Responsible for the acquisition and management of loans and savings portfolio; Loan initiation, processing, monitoring and repayment.
Conduct a thorough loan analysis to ascertain customer’s payment capacity and willingness; evaluate the credit risk before Credit Committee Meetings.
Reduce liquidity risk by aggressively reducing dormant savings accounts.
Ensure each loan disbursed are in compliance with the Microfinance lending procedures, policies and methodology.
Inspect prospective client's business to ascertain its viability and assessment of collateral
Write reports for granting of loan facility
Monitor approved loans and continuously support and advise clients on good management practices
Consistently adhere to regulatory standards
The Credit and Marketing Manager must possess :
A minimum of first degree or its equivalent in a business related discipline (additional qualification or degree in any finance or business-related discipline may be an advantage).
A minimum of five (5) years post-qualification experience out of which, at least three (4) must have been in the financial services industry.
Evidence that the candidate possesses proven skills and competencies in practical Microfinance banking.
Must be somebody very close to the grassroots leading the credit and Business Development of the Microfinance Bank
Core Competencies :
Professionalism, integrity and commitment to social mission of Micro-finance banking.
Strong business acumen and knowledge of low income market
Comprehensive knowledge of Micro-finance banking products, marketing and business development
Sound knowledge of Micro-finance services, procedure, laws and regulations
Strong analytical skills
Knowledge of micro, small and medium enterprise market.
Strong oral and written communication skills
Strong general management and people skills