SME Relationship Officer at Addosser Microfinance Bank

Job Description

• Source for microfinance SME clients in identified market zones.
• Creation of quality risk assets above N3,000,000.00
• Evaluate customers’ business cash flow.
• Analysis customer’s repayment capacity and financial soundness.
• Put together a good credit write up.
• Conduct loan appraisals and collect detailed information (personal, business, and guaranties) when opening new loan accounts.
• Ensure proper KYC is conducted on customers.
• Render financial advice to customers and maintain good relationships with all customers
• Ensure full compliance with Addosser MFB policies while observing operational excellence
• Ensure all loan requirements inclusive of charges are properly communicated to clients and documentation are duly completed, executed & submitted.
• Verification of guarantors of loan customers before submission of loan requests.
• Monitoring the loan portfolio and follows up on repayment – ensuring the cheques for repayments are presented on due dates.
• Ensure PAR is within tolerable level as specified by management.

Relevant Skills, Qualifications, Attributes & Experience

• HND / University Degree in Banking, Accounting, Economics or other related field.
• At least 3 years’ experience in a Micro Finance Institution.
• Good understanding of business process.
• Hardworking, committed, ability to communicate and a self- motivated person.
• Excellent interpersonal & numerical skills.
• Excellent team player.