Portfolio Manager at Microcred Group

Locations: (Yaba, Alaba, Tradefair, Ikotun) Lagos , (Zaria, Kafanchan) Kaduna and Garki-Abuja
Job Type: Local contract

Job Description
Mission 1 - Pre-loan disbursement:

• Promote/Market BAobab’s products to prospective clients
• Visit and evaluate potential client businesses
• Visit client’s personal house
• Visit co-debtor, guarantor’s house and businesses
• Analyze financial data of client’s businesses
• Analysis of quantitative and qualitative data of client businesses and households
• Prepare loan documents for credit committee
• Present loan files to credit committee
• Enter Loan files in the MIS.

Post-Loan Disbursement:

• Conduct monitoring visits to business and households
• Follow- up on loan repayment
• Manage loan recovery from active and write-off client until the last
• Assess the impact of loan before renewal.

Portfolio Management Guide

• Portfolio transfer and other clearance is compulsory for all existing portfolio manager
• Portfolio handover will include description of each debtor and co-debtor’s business and residential address.
• Collateral and location of collateral
• Guarantor and guarantor’s business address
• It will be regarded as a credit fraud if portfolios are properly transferred upon exit from Baobab Microfinance Bank Limited. This will be reported to relevant authorities including CBN, NDIC and the Nigeria police for prosecution
• Portfolio Manager has the responsibility to provide information about bank’s client, co debtor or guarantor and their details even after exit from the system, if it so required.

Requirements
Education:

• Diploma: OND or HND Minimum
• Basic Knowledge in accounting, finance and mathematics
• Previous work Experience or training In sales (Preferred).

Required Skills:

• Fluent in English (Written/spoken)
• Detail Oriented
• Target oriented
• Articulate and well spoken
• High level of integrity
• Dynamic and motivated and individuals who like to work outdoors.