Latest Job Vacancies at La Fayette Microfinance Bank Limited, Advans Nigeria

Planned Start Date: 01/12/2022

Main Responsibilities
Production:

• Analyzes and gives a motivated opinion on every credit file to be presented to LCM from N3 million. These tasks imply the following:
• Ensures that the file is complete (documents, appendix, etc.)
• Checks the source of information/data and their reliability.
• Checks the exactitude and accurateness of data and calculation.
• Checks the respect of the rules and methodology used.
• Checks the global consistency of data between themselves and according to sector/comparable activities.
• Checks and interprets the evolution of data, identify trends.
• Identify additional risks (fiscal, licenses, contracts, etc.)
• Exchanges information with CO in order to complete LAF
• Checks – with HNP – that procedures of credit risk follow-up and monitoring is respected (quality and frequency of post-disbursement visits).

Analysis:

• Periodically analyzes quantitatively and qualitatively the loan portfolio of Advans Nigeria (sector concentration, product concentration, etc.)
• Periodically perform default/PAR studies, measuring in particular the impact of collateral, members of LCM and other on risk exposure.
• Makes recommendations (training, process, procedures, etc.) in order to improve the quality of analysis.
• Constitutes a database enable the Bank to build comparison/reference criteria between companies from the same sectors.
• Proposes evolution in the policy, process, procedure, methodology, LAF, products, collateral, related to the risks identified.
• Intervenes, if requested to, on certain cases of recovery.

Control:

• Controls loan files based on tangible elements.
• Informs directly MD/CEO/HNP in case of serious violations, in order for the management to take appropriate steps.
• Other duties as assigned by the Chief of Risk.

Profile
Persons Specification:

• Educational Experience: B.Sc. / HND in any discipline. Professional Qualification will be an advantage.
• Work Experience: Applicant must have minimum of two (2) years work experience as a credit risk officer prefferably in a finance institution.

Skills:

• High-level proficiency in written and spoken English
• Good knowledge of regulatory requirements around credit risk and control management for MFIs.
• Good command of MS PowerPoint, and general knowledge of MS Office software package.
• A high degree of professionalism, maturity, and confidentiality.
• Oral and written communication.

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Planned Start Date: 01/12/2022

Job Description

• The Relationship Officer is responsible for processing the loans, monitoring the loan portfolio and developing the Advans La Fayette MFB loan clientele.
• He/she will also be responsible for developing the savings and deposits portfolio for the target groups. 
• The client Officer will spend more than 70% of the time on the field by performing visits to clients in commercial areas.    

Profile

• Bachelor's Degree or Higher National Diploma in any discipline from accredited polytechnic or University with NYSC discharge certificate or NYSC Exclusion Letter.
• Good relationship and communication skills with strong team spirit  
• Strong analytical skills  
• Good computer skills  
• Real motivation to work and grow in a performance based environment
• Taste for fieldwork.

Additional Knowledge / Skills Required:

• Practical knowledge of micro / small / medium businesses  
• Knowledge of microfinance bank sector is an advantage
• Good writing skills  
• Knowledge of the major local languages.

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Location: Ibadan, Oyo
Planned Start Date: 10/11/2022

Mission

• Design, analyse and develop web-based applications using programming and scripting languages.
• Design and develop application integrating with the core banking solution.
• Identifying deficiencies in the bank existing systems, process and methods.
• Providing support to different departments by automating bank process and task.
• Providing advice, guidance and expertise in developing software solutions for the bank.
• Oversee the day today task management of the developers and ensure the development stream is accurately discussed during daily stand up meeting.
• To ensure users are having an improved experience on existing applications.
• To manage and build existing platform in Operations.
• Liaising with the DBAs, Data Analysts and Business Analyst for existing/new reports generation automation.
• To be responsible for the development of intelligent front end and data analytic solutions according to business requirement.

Profile
Qualification / Education:

• Minimum of First Degree in Computer Science, Computer Engineering or related course of study is required. Relevant professional qualification(s) and certification(s) will be an advantage.

Experience:

• A minimum of 2 years experience in a similar role with General knowledge of systems and network architecture.

Skills:

• Proven experience in a Management & Information System role.
• Hands on experience in networking, routing and switching.
• Excellent knowledge of best practices around management, control, and monitoring of server infrastructure.
• Experience with firewalls, Internet VPN’s remote implementation, troubleshooting, and IT issues resolution.
• Familiarity with backup and recovery software and methodologies.
• Great at organizing, prioritizing and multitasking.
• Cisco CCNA or other related certification required.

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Locations: Ibadan - Oyo & Lagos
Planned Start Date: 07/11/2022

Main Responsibilities and Tasks

• Ensure branch staff comply with Internal Code of Conducts; Policy/Procedure and Regulations on transactions initiated by the bank.
• Ensure that all expected activities as stipulated in the control checklists are performed by the branch management
• Educate and train staff on compliance issues, and acting as the contact point within the branch for compliance queries from staff members
• Create and improve homogenous Compliance Culture in the assigned branch that aligns with control and business objectives of the Bank
• Build strong KYC and KYCB compliance environment in the assigned branch i.e. ensure capturing of all valid KYC documentation into all customers’ accounts in the Core Banking Applications through the regular review of Account opening and documentation both on client files and on the system.
• Carry out unannounced field visit to clients’ business locations before or after loan approval as the case may be.
• Ensure integrity of the transactions and GL accounts in the branch through daily review of the branches GL balance reports. Any major deviation from the standard must be escalated.
• Institute and enforce aggressive Cost reduction Strategies/Tactics for the branch under your purview to ensure zero% income wastage
• Ensure prompt resolution of all recommendations in the Internal Audit Report, Regulatory Examiners Report and other Statutory Examiners Report involving the branch under your purview.
• Ensure daily Call Over of all Tills transactions (which include but not limited to deposit/withdrawal slips, Cheque slips, Internal fund transfers) within 24 hours of posting and where practicable online same day and as may be advised to you from time to time
• Daily Review of all System Generated Override Message/Exception Reports to ensure that appropriate approvals were obtained for it and that they are valid transactions
• Daily review of ATM Card and Pin Management or any other related reviews to ensure any irregularities are discovered and escalated promptly.
• Conduct Special Investigation as may be directed by the Risk and Compliance Manager.
• Conduct spot checks, stock taking and other functions as may be assigned from time to time.
• Ensure prompt and qualitative rendition of relevant returns and reports as may be required by the Risk and Compliance Manager which will include among others:   Critical Control Issues Report, Unusual Incidence Report, Report on assets ageing in standard approved format etc.
• Any other job that may be assigned by the Risk and Compliance Manager.

Person Specification
Qualifications / Education:

• B.Sc. / HND in any discipline.
• Professional Qualification such as (CIMA, ACCA, ICAN...) or its equivalent will be an advantage.

Work Experience:

• Applicant must have minimum of two (2) years work experience as risk / internal control and compliance officer prefferably in a finance institution

Skills:

• High-level proficiency in written and spoken English; good knowledge of word processing; proven spreadsheet skills; good interpersonal relations skills.

Personal Traits:

• Meticulous, open-minded, autonomous and fast learner.