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Our mission: building a responsible group of financial institutions dedicated to microfinance.
MicroCred was founded in 2005, through the initiative of Arnaud Ventura, founder and CEO, by PlaNet Finance and partners shareholders.
MicroCred Holding is an investment company that invests in and manages responsible institutions and provides them with the...
Locations: (Wuse, Garki, Nyanya) Abuja and (Kafanchan, Zaria, Tuduwada, Kachia, Kawo) Kaduna
Locations: (Ikeja, Mushin, Ajah, Sango - Ota, Ikorodu, Yaba, Egbeda, Broadstreet, Tradefair, Alaba) Lagos and (Dugbe, Ibadan, Bodija) Oyo
Employment Type: Full-time
Reporting to: Branch Supervisor
Main Responsibilities
Mission 1: Pre-loan disbursement:
- Promote/Market BAobab’s products to prospective clients
- Visit and evaluate potential client businesses
- Visit client’s personal house
- Visit co-debtor, guarantor’s house and businesses
- Analyze financial data of client’s businesses
- Analysis of quantitative and qualitative data of client businesses and households
- Prepare loan documents for credit committee
- Present loan files to credit committee
- Enter Loan files in the MIS
Post-Loan Disbursement:
- Conduct monitoring visits to business and households
- Follow- up on loan repayment
- Manage loan recovery from active and write-off client until the last
- Assess the impact of loan before renewal
Portfolio Management Guide:
- Portfolio transfer and other clearance is compulsory for all existing portfolio manager
- Portfolio handover will include description of each debtor and co-debtor’s business and residential address.
- Collateral and location of collateral
- Guarantor and guarantor’s business address
- It will be regarded as a credit fraud if portfolios are properly transferred upon exit from Baobab Microfinance Bank Limited. This will be reported to relevant authorities including CBN, NDIC and the Nigeria police for prosecution
- Portfolio Manager has the responsibility to provide information about the bank's client, co debtor or guarantor and their details even after exit from the system, if it is required.
Requirements
Education:
- HND/BSC Minimum with 1 year work experience.
- Basic Knowledge in accounting, finance and mathematics
- Previous work Experience or training In sales (Preferred)
Required Skills:
- Fluent in English (Written/spoken)
- Detail Oriented
- Target oriented
- Articulate and well spoken
- High level of integrity
- Dynamic and motivated and individuals who like to work outdoors
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