Accounts Officer at ACCION Microfinance Bank

Job Responsibilities

• Build and maintain portfolio of quality clients rapidly and consistently to reach target portfolio within assigned period.
• Identify potential clients
• Liaise with community organizations, business associations, and individual entrepreneurs
• 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;
• Participate in credit committees providing input on other members' loan proposals
• Prepare and present own loan proposals to credit committee.
• Develop relationship with each client to support the business success and cultivate 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
• Provide support to peers and others within Accion MfB in uplifting its values and policies

Qualification & Experiences

• A minimum of HND or B.Sc in Business, Banking, Finance, Accounting, Economics, and/or related fields.
• Must have completed NYSC

Key Performance:

• Strong interpersonal skills
• Ability to develop strong financial analysis skills
• Independent worker; honest and of high integrity

Required Knowledge:

• Understand the local area where they are working
• Experience in credit of financial service industry will be an added advantage.
• Computer literacy.