Team Lead, Internal Control And Relationship Officer at Spectrum Microfinance Bank

Locations: Lagos (Alaba), Ogun (Mowe), Oyo (Ibadan)

Job Description

• Team Lead at Spectrum Microfinance Bank is responsible for the coordination, supervision of subordinates via evaluation and processing of loans and act as liaison between customers and the organization while helping qualified applicants acquire huge loans in a timely manner.

Job Responsibilities

• Coordinate, supervise, market loan products and process loan applications for Customers
• Oversee subordinates and evaluate loan processing to determine customers financial eligibility and feasibility of repayment of loans
• Determine all applicable ratios and metrics and set up loan payment plans
• Complete loan contracts and counsel clients on policies and restrictions
• Opening loan applications, Conducting loan analysis by visiting the business and household of clients
• Visiting the business / employer of guarantors and preparing a complete loan assessment according to the bank’s credit procedures
• Presenting loan proposals to the credit units and informing the client about the decision of the credit units
• Ensuring punctual repayments of acquired loans from clients, contacting and visiting all parties based on needs
• Ensuring high quality standards of the bank’s credit portfolio
• Ability to meet and exceed targets while actively working to increasing business portfolio and client’s base.

Key Requirements

• Minimum of B.Sc. or its equivalent in Marketing or related field.
• 2 - 7 years cognate experience from a reputable Microfinance Bank.
• Sound Risk Management experience and can disburse / deliver a Min of 30million Naira Loan Monthly with good success rate and track records.
• Good knowledge of Lagos Island and Mainland markets
• Ability to disburse Micro, SME Loans in large volumes without default
• Experienced in repayment tracking and loan collection without a day default

Skills:

• Detailed and target oriented
• Excellent team spirit and communications skills
• Excellent Human Relations and Inter-personal skills
• Goal oriented.

Salary
Very Attractive (With Incentives and Commission).