Account Officer / Loan Officer / Business Development Executive at ACCION Microfinance Bank

Job Responsibilities

• Identify potential clients, build and maintain portfolio of quality clients rapidly and consistently to achieve assigned target within the specific period.
• Sensitize potential clients on all aspects of our loan process: 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 process.
• Arrange and undertake business site visits, home verification and all other KYC requirements.
• Verify and cross-check all information relevant to the loan application and evaluation.
• Evaluate the willingness and capacity to repay by the client.
• Ensure a suitable guarantee is in place and documented.
• Develop relationship with each client to support the business success and cultivate loyalty.
• Monitor client business progress to identify any potential problem(s)
• Implement late repayment recovery procedures of Accion MfB.
• Achieve and maintain targets on portfolio at risk (PAR) management
• Monitor repayment reports daily and client behavior patterns.
• To build rapport within the community, business associations and leaders.
• Provide support to peers and others within Accion MfB in uplifting its values and policies.

Qualification & Experiences

• A minimum of BSC or HND in Marketing, Business Administration, Banking, Finance, Accounting, Economics, and/or related fields.
• Must have completed NYSC.
• Maximum of 7 years experience in micro finance lending.

Key Performance:

• Strong interpersonal skills.
• Honest and of high integrity.

Required Knowledge:

• Computer literacy.