Jobs at Spectrum Microfinance Bank Limited

Job Description

• Branch Manager at SpectrumMicrofinance 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 Description

• 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.
• 3 - 5 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 the location environsmarkets
• 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).

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Responsibilities

• Creating and Managing owned Loan portfolio
• Conducting direct promotion and/or other marketing activities on regular basis
• Screening prospect’s eligibility, opening loan applications and arranging appointments with clients
• Conducting loan analyses by visiting the business and household of clients, visiting the business/employer of guarantors and preparing a complete loan assessment according to the established credit procedures
• Presenting loan proposals to the credit committee and informing the client about the decision of the credit committee
• Arranging the disbursement in collaboration with Back Office and client
• Ensuring punctual repayments by monitoring loans with the loan management software and core application, contacting and visiting all parties based on needs basis to identify potential problems and proffer feasible solutions
• Ensuring high quality standards of the credit portfolio and adequately managing potential PAR
• Actively participating in committees and group discussions, looking for ways to help solve group problems, proactively seeking for improvement and willing to align his/her personal goals with company’s goals.

Profile

• Minimum educational qualification of B.Sc. / HND
• Candidate must have experience working with a Finance house
• Minimum of 3 years’ experience working with a top tier finance house, Microfinance bank or Commercial bank with demonstrable evidence of consistently exceeding performance targets
• Basic knowledge of financial mathematics & Accounting
• Excellent communication and interpersonal skills
• Basic computer skills and mobile Application
• Detailed and target oriented
• Good team spirit
• Self-motivated and industrious individuals who like to work outdoor
• Excellent analytical skills
• Ability to disburse small and medium sized loans to businesses, salary earners, individuals, etc.

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Job Brief

• SME Loan Officers at SpectrumMicrofinance Bank are responsible for the evaluation and processing of small and medium scale enterprise loans and act as liaison between customers and the organization while helping qualified applicants acquire loans in a timely manner.

Job Description

• Market loan products and process loan applications for small-to-medium enterprise.
• Interview loan applicants to determine 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 - 3 years cognate experience from a reputable Microfinance Bank.
• Sound Risk Management experience.
• Good knowledge of Lagos Island and Mainland markets.
• Ability to disburse 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).

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Requirements

• The ideal candidate must have a good B.Sc / MSc Degree in Marketing or a related field.
• Must have 2 to 5 years of work experience.
• Proven working experience in digital marketing
• Demonstrable experience leading and managing SEO/SEM, marketing database, email, social media and/or display advertising campaigns
• Knowledge of video and picture editing software such as Adobe
• Ideal candidate for the positions must be smart, forward looking
• Ability to work with minimum supervision.

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Job Brief

• We are looking for an IT support officer who will be mainly responsible for the smooth running of computer systems, routers, switches, internet and ensure users get maximum benefits from them.

Responsibilities

• Maintain and optimize local company networks and servers
• Be responsible for device and password management
• Oversee data backup and system security operations (e.g. user authorization, firewalls)
• Manage installations, upgrades and configurations of hardware and software
• Design and implement social media strategy to align with business goals
• Stay up-to-date with current technologies and trends in social media, design tools and applications
• Ensure data is handled, transferred or processed according to legal and company guidelines
• Provide support and guidance to stakeholders via help desk
• Suggest and implement new features to develop brand awareness, like promotions and competitions
• Manage contracts with vendors (e.g. development platforms, telecommunication companies, password managers) and software licenses
• Develop IT policies and practices.

Requirements

• B.Sc in Computer Science / Engineering, Electrical / Electronic Engineering or related field
• Minimum of 2 years’ cognate experience
• Knowledge of systems engineering, computer maintenance, server administration, installation, repair and troubleshooting.
• Thorough knowledge of networks and cloud computing
• Knowledge of data protection operations and legislation (e.g. GDPR)
• Leadership and organizational skills
• Solid knowledge of SEO, keyword research and Google Analytics
• Ability to manage multiple projects
• Outstanding communication skills
• Problem-solving aptitude.

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Locations: Sango, Ibafo, Shagamu - Ogun, Trade-Fair and Ogba - Lagos

Job Description

• Source appropriately priced and structured deposit liabilities for the company from retail and institutional sources.
• Meet, maintain and exceed set targets.
• Cultivate new clientele on a regular basis.
• Cultivate and maintain courteous and efficient relationships with clients.
• Timely response to feedback and other customer-related issues or requests.
• Participate in creating new and better marketing based on field experience.
• Visit, engage prospects and maintain liability generated
• Propose services, up-selling and cross-selling whenever possible
• Recruit, train and build sales teams across the country
• Increase number of Treasury services taken up by Clients
• Ensure the effective, high-quality management of Clients
• Conduct periodic competitor analysis, reviewing product rates and requirements
• Prepare and send a periodic reportto management
• On-board and manage subordinates to maintain a consistently high number of prospects, and with a high conversion rate
• Evaluate structure, negotiate, and close new transactions, portfolio restructurings, rescheduling, capital increases, equity sales, etc.