Latest Jobs at Neptune Microfinance Bank

Job Brief

• Portfolio Officer is responsible for underwriting, credit monitoring, and managing the Bank’s various loan portfolios to achieve efficiencies and quality of the process and related lending products and services.
• Sell loan products and meet loan production targets
• Perform business development tasks, including managing the pipeline by generating leads and referral business, and maintaining relationships with existing and past clients
• Meet and communicate with applicants to explain the risks and benefits, as well as the terms of loan products and government regulations
• Obtain relevant information and evaluate apllicants' financial status, including credit history, debt-to-income ratio, and appraisal reports, to determine recommendation for loan approval
• Ensure all necessary information and documentation is submitted
• Consistently deliver first-class customer service
• Follow up with customer on over due repayment (Recovery)
• Payments- to vendors, transfers to customers.

Requirements and Skills

• Candidates should possess a Bachelor's Degree qualification with 3 - 10 years work experience.
• Proven working experience as a Loan Officer
• Familiarity with computers and banking applications/software
• Solid understanding of direct/indirect lending products and practices
• Excellent communication and interpersonal skills
• Customer satisfaction orientation and sales competencies
• Ability to work in a goal oriented environment.

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Duties and Responsibilities

• Design, plan and formulate strategies to achieve the bank’s Agent Banking and financial inclusion business goals
• Responsible for the growth and expansion of the Bank’s Agency network
• Responsible for the delivery of Agent Banking targets and overall business performance.
• Monitor and ensure all compliance policies related to Agent Banking
• Liaise with Agents and related stakeholders to implement the Agent Banking strategy
• Carry out Training on Agent Banking
• Design initiatives, promos, and market activations that will increase transactions and lead to increased brand visibility
• Develop and maintain effective relationships with the agent network to ensure customer acquisition and product adoption at agent locations and through other self-service channels (USSD & Mobile app).
• To grow CASA for the bank.
• To grow the Fee income for the bank.
• Able to sell salary loans and personal loans
• Increase the non-interest income by strengthening/modifying existing products and exploring new product/service lines.

Financial Responsibilities:

• Manage resources effectively and within budget.

Requirements / Skills

• Bachelor's Degree in Business or Marketing preferred.
• 5 - 7 years of experience as Retail (Salary Loan and Personal Loan).
• Conversant with Savings and Loan Mobilization.