Disbursing Team Lead / Commercial Supervisor at Addosser Microfinance Bank

Reports to: Territorial Coordinator

Main Responsibilities

• Sourcing for microfinance SME clients in identified market zones.
• Creation of quality risk assets.
• Ensuring operational excellence during the course of duty.
• Rendering financial advice to customers.
• Generate feedback to management on development in market, competitor analysis, product enhancement etc.
• Ensure credit appraisal& cash flow analysis of clients.
• Ensure all loan requirements inclusive of charges are properly communicated to clients and all documentations duly completed, executed & submitted.
• Ensure that all approved Loans are disbursed timely
• Ability to analyze and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower
• Ensure account opening documentations are completed by team members
• Verification of loan requests of clients for amounts not exceeding N150, 000.00 and their guarantors.
• Supervises cross selling of products by team members
• Ensure performance tracking with the use of identified reports.
• Coordination and supervision of the branch.
• Ensure the branch meets its weekly/monthly Deposit target through team marketing and creation of quality risk assets to empower customers.
• Review of the weekly / monthly prospect lists for loan and deposit clients of team members.
• Confirm status (physical state, valuation etc.) of assets/properties used as collateral by customers.
• Follow up on delinquent loans& immediately refer same to his/her supervisor
• Ensure PAR is within tolerable level as specified by management.
• Responsible for the proper use and safe keep of bank’s assets in the branch