Career Opportunities at LEAD Enterprise Support Company Limited

LOCATION: Agbara, Lusada and Badagry, Lagos.

JOB OBJECTIVE/SUMMARY:

• Selling loan products effectively.
• Carry out clients KYC, eligibility and loan appraisal. 
• To ensure continuous growth and healthy portfolio management.
• Ensure that set targets are met within allotted time frame

DUTIES & RESPONSIBILITIES

• Marketing of loan product as applicable to role.
• Interviewing and carrying out of KYC on clients
• Prepare loan documents for clients to fill.
• Verify and appraise clients and guarantors’ business. 
• Submit loan proposal for possible approval Credit committee. 
• Proper documentation and filing of loan documents
• Follow up on client repayment.
• Follow up and monitoring of the loan performance after disbursement.

KEY PERFORMANCE INDICATORS

• Ability to mobilize new clients as relative to target.
• Number of borrowers relative to target.
• Volume of loan disbursement and revenue generated relative to target.
• Portfolio at risk (PAR) >1 day not more not more than 1%
• Growth in number of borrowers as relative to target.
• Portfolio growth in relation to target.

REPORTING RELATIONSHIP

Reports to:    Branch Coordinator

JOB REQUIREMENTS

• Education:  A good bachelor degree or equivalent.
• Experience: Minimum of two (2) years post-qualification experience.

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JOB OBJECTIVE/SUMMARY:  

• To oversee and coordinate the operations in the branch for effective customer service and business performance.
• General supervision of the business development/marketing and operations arms of the branch to meet branch set targets.
• To adhere to high ethical standard and compliance with all regulations and applicable laws
• Ensure all credit disbursement pass through the organization’s defined processes and procedures to avoid undue exposure of branch credits to loss. 
• Ensure adequate and timely measures are put in place for remedial and loan recovery actions on delinquent accounts to minimize branch non performing risk assets.  
• Ensure that all complaints from customers and potential customers are attended to and resolved promptly. 
• Mobilize all human and material resources of the organisation to meet periodic profit targets. 
• Ensure Branch delivers efficient and courteous services in line with processes and procedures. 
• Ensure detail and effective monitoring of vault, cash and bank transactions. 
• Ensure maintenance of viable relationship with existing and potential customers to satisfy their needs and keeps them delighted, retained and committed to the organisation. 
• Ensure that clients are aware of any new products introduced by the organization. 
• Ensure timely and effective resolution of staff and clients’ conflicts, complaints and issues in the branch. 
• Attend to emerging issues in the branches promptly
• Responsible for overall planning and inspection of cash operations and approved transactions.
• Any other task as may be assigned by management from time to time

KEY PERFORMANCE INDICATORS

• Quality of Loan Portfolio in respect to PAR
• Client retention ratio
• Compliance & audit rating
• Customer Satisfaction rating
• Percentage performance relative to budget in all operational fronts

KNOWLEDGE

• Basic accounting and budgeting knowledge
• Good computer literacy
• Knowledge of organizational policies
• Knowledge of industry and competitive environment
• Good knowledge of the bank’s products and services

SKILLS/COMPETENCIES

• Marketing skills
• Relationship Management
• Leadership skills
• Organization and Planning 
• Communication skills
• Team Spirit/Team Building
• Initiative, creativity & being proactive

REPORTING RELATIONSHIP

• Reports to:    MD
• Supervises:    Branch Staff

JOB REQUIREMENTS

• Education:   A good bachelor degree or equivalent
• Experience:   Minimum of five (2) years post-qualification experience.