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  • Posted: Jun 12, 2018
    Deadline: Jun 18, 2018
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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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    Account Officer

    Locations: Epe, Lagos & Aba, Abia States
    Department: Commercial

    Responsibilities
    The responsibilities of this role include:

    • Promotion of products and origination of new clients
    • 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.
    • 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.
    • Conduct loan evaluations according to policies and procedures
    • 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.
    • 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.
    • Credit committee member
    • Participate in credit committees providing input on other members’ loan proposals
    • Prepare and present own loan proposals to credit committee.
    • Provide high-quality customer service
    • 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.
    • Manage and recover late repayments
    • 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.
    • Build community rapport
    • Become knowledgeable and known in the assigned geographic zone.
    • Build rapport with community, business associations and leaders.
    • Be known and visible in the community.
    • Develop goodwill of community towards Accion MfB..
    • Support the Accion MfB Team

    Qualification and Experience

    • A minimum of HND or B.Sc in Business, Banking, Finance, Accounting, Economics, and/or related field.
    • Must have completed NYSC.
    • Understand the local area where they are working.
    • Strong interpersonal skills.
    • Ability to develop strong financial analysis skills.
    • Ability to assess character of potential clients.
    • Computer literacy.
    • Independent worker; honest and of high integrity.
    • Experience in credit of financial service industry will be an added advantage.

    Competency/ Skill Requirements:

    • A minimum of HND or B.Sc in Business, Banking, Finance, Accounting, Economics, and/or related fields with numerate coursework.
    • Understand the local area where they are working.
    • Ability to speak one of Yoruba, Igbo, Hausa or Pidgin English.
    • Strong interpersonal skills.
    • Ability to assess character of potential clients.
    • Computer literacy.
    • Independent worker; honest and of high integrity.
    • Experience in credit of financial service industry will be add advantage.

    Check how your CV aligns with this job

    Method of Application

    Note: Only qualified candidates will be shortlisted and contacted.

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

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Average Salary at ACCION Microfinance Bank
₦ 106K from 35 employees
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