Head of Credit and Marketing ( Okitipupa) at Edgewood Consulting

Edgewood Consulting Limited is currently recruiting on behalf of a new Microfinance Bank licensed by the Central Bank of Nigeria located in Okitipupa environ, Ondo State.

Reporting to: The Managing Director.

Location: Okitipupa Environ, Ondo state.

Job requirements:

The Credit and Marketing Manager must possess:

• Minimum of B.sc in banking/Finance, Accounting or marketing (additional qualification or degree in any finance or business-related discipline may be an advantage).
• A minimum of five (7) years post-qualification experience out of which, at least three (4) must have been in the financial services industry.
• Evidence that the candidate possesses proven skills and competencies in practical Microfinance banking.
• Must be somebody very close to the grassroots leading the Credit and Business Development of the Microfinance Bank

Key Responsibilities:

• The Credit and Marketing Manager is responsible for Supervision of all Business Development initiatives.
• Provide effective leadership guidance in business development strategy
• Achieve overall profitability target of the microfinance bank
• Implement and execute regular sales activities to generate business
• Responsible in acquisition and management of loans and savings portfolio; Loan initiation, processing, monitoring and repayment.
• Conduct a thorough loan analysis to ascertain customer’s payment capacity and willingness; evaluate the credit risk before Credit Committee Meetings.
• Reduce liquidity risk by aggressively reducing dormant savings accounts.
• Ensure each loan disbursed are in compliance with FINCA lending procedures, policies and methodology.
• Inspect prospective client's business to ascertain its viability and assessment of collateral
• Write reports for granting of loan facility
• Monitor approved loans and continuously support and advise clients on good management practices
• Consistently adhere to regulatory standards

Core Competencies

• Professionalism, integrity and commitment to social mission of Micro-finance banking.
• Strong business acumen and knowledge of low income market
• Comprehensive knowledge of Micro-finance banking products, marketing and business development
• Sound knowledge of Micro-finance services, procedure, laws and regulations
• Strong analytical skills
• Knowledge of micro, small and medium enterprise market.
• Strong oral and written communication skills
• Strong general management and people skills