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  • Posted: Jul 22, 2019
    Deadline: Jul 29, 2019
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    Established in 2007, Accion Microfinance Bank has a mission, "To economically empower micro-entrepreneurs and low-income earners by providing financial services in a sustainable, ethical and profitable manner.” The bank has an extensive branch network where customers have easy access to various products and services that include savings, loans, micro-i...
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    Commercial Supervisor

    Loactions: Lagos, Ogun, Ondo, Anambra, Rivers, Kano, Abia & Akwa Ibom

    Job Responsibilities

    • 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;
    • Implement promotion campaigns and information sessions;
    • 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 forms;
    • Arrange and undertake business site visits;
    • Verify and cross-check all information relevant to the loan application and evaluation;
    • Evaluate the willingness and capacity to repay of the client;
    • Ensure an appropriate guarantee is in place and documented;
    • Determine and present loan terms and conditions to credit committee.
    • Develop a relationship with each client to support the business success and build client 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.
    • Become knowledgeable and known in the assigned geographic zone.
    • Build rapport with community and business associations and leaders;
    • Be known and visible in the community;
    • Develop goodwill of community towards Accion MfB.
    • In collaboration with the Branch Manager, coach, support, and motivate allocated Account Officers
    • Maintain a high standard of discipline among the allocated Account Officers and ensure that they are performing according to expectation.
    • Ensure that the work flows of the allocated Account Officers are efficient and well-defined on a weekly and monthly basis.
    • To take over Loan portfolio of any Account Officer as directed by management.
    • Ensure that supervised Account Officers follow policies and procedures
    • Spot-check approved applications for supervised Account Officers.
    • In collaboration with the Branch Manager, set performance goals for supervised Account Officers and monitor their performance per procedures.

    Qualification & Experiences

    • A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.
    • Must have completed NYSC
    • Strong interpersonal skills

    Key Performance:

    • Efficiently and accurately complete all forms and administrative steps required to manage the portfolio and contribute to the smooth operation of Accion MfB.
    • Coordinate the activities of the credit committee for loan applications pertaining to his/her supervised Account Officers;
    • Chair the credit committee for loan applications pertaining to his/her supervised Account Officers within his/her authority level;
    • Ensure all documentation and requirements are complete prior to loan approvals;
    • Ensure quality of analysis by supervised Account Officers.
    • The Account Officer will be required to maintain minimum performance productivity standard as will be advised base on which he/she will be subject to continuous evaluation
    • Ability to develop strong financial analysis skills
    • Ability to assess character of potential clients
    • Ability to assess character of potential clients

    Required Knowledge:

    • Develop goodwill of community towards Accion MfB.
    • Understand the local area where they are working
    • Experience in credit of financial service industry

    Method of Application

    Interested and qualified? Go to ACCION Microfinance Bank on www.accionmfb.com to apply

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