Credit (Loan) & Savings Officer
FINCA Microfinance Bank
Owerri, Nigeria
5d ago
source : NGRJobs

Title : Credit (Loan) & Savings Officer Location : Owerri, Imo FINCA Microfinance Bank

About the Role

  • The Credit & Savings Officer is responsible to effectively develop, manage and maintain high quality loans and savings portfolio;
  • cross-selling the organization’s financial products and support the development of delivery channels and front- end technology to improve client’s access to financial services.

  • S / he is also responsible in the close monitoring of repayment behaviors of client to ensure quality, while keeping client’s savings portfolio and other banking channels subscribed by clients active.
  • The position is an entry level position for both experienced and new graduates and reports to the Customer Relationship Supervisor.
  • Duties and Responsibilities

    The functions of a Credit (Loan) & Savings Officer includes but not limited to the following :

  • Partner with Customer Relationship Supervisor in developing weekly / monthly plans with regards to client mobilization and individual performance goals.
  • Maintain a good knowledge of assigned market geographical area and understand clients need with competing products.
  • Research and develop business opportunities within assigned geographical zone and assist marketing department with market research and impact studies upon request.
  • Market all FINCA Products and Services to potential clients by using the promotional tools as approved by management.
  • Responsible in 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 FINCA lending procedures, policies and methodology.
  • Prepare and present report as assigned by your Team Leader / Branch Manager.
  • Compile credit files with required documentation and hand over to back office staff for processing.
  • Any other responsibilities required by the Branch Manager or Savings Manager in line with FINCA policies.
  • Qualification and Experience

  • Bachelor’s Degree / HND with minimum of 2nd Class Lower (2.2) in related discipline.
  • Minimum of 1 year post NYSC experience in credit or a client facing sales role with a financial institution.
  • Strong customer orientation.
  • Basic mathematical and analytical skills required.
  • Willingness to work in the field and travel within the state if requested 80% of the time
  • Able to work in the team and coordinated actions accordingly
  • Strong ability of follow up and consistency in his / her actions
  • Flexible to accept changes that might occur as a result of institution strategy
  • Critical Competencies

    To perform the role successfully, an individual should demonstrate the following competencies :

  • Analytical Synthesizes complex or diverse information; Uses intuition and experience to complement data.
  • Problem Solving Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions;
  • Works well in group problem solving situations; Uses reason even when dealing with emotional topics.

  • Technical Skills Strive to continuously build knowledge and skills; Shares expertise with others.
  • Interpersonal Skills Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others’ ideas and tries new things.
  • Teamwork Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interest;
  • Able to build morale and group commitments to goals and objectives; Supports everyone’s efforts to succeed.

  • Motivation Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence;
  • Task calculated risks to accomplish goals.

  • Planning / Organizing Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Set goals and objectives;
  • Organizes or schedules other people and their tasks; Develops realistic action plans.

  • Quality Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance;
  • Monitors own work to ensure quality.

  • Willingness to relocate and work at any FINCA location in Imo State.
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