Job Openings at Ekondo Microfinance Bank

Job Description

• The Business Development (Marketing) Officer is responsible for driving the growth of the bank’s customer base, mobilizing deposits, and promoting loan products. The role involves identifying business opportunities, building strong customer relationships, and achieving set targets to enhance the bank’s profitability and market presence.

Key Responsibilities

• Source, prospect, and onboard new customers for both deposit and loan products.
• Mobilize deposits through savings, current, and fixed deposit accounts.
• Market and cross-sell the bank’s products and services to existing and potential customers.
• Meet and exceed assigned sales and business growth targets.
• Conduct market research to identify business opportunities and customer needs.
• Develop and maintain strong relationships with individuals, groups, and businesses.
• Ensure proper documentation and compliance in onboarding and loan processing.
• Provide after-sales support and maintain high customer satisfaction.
• Represent the bank at marketing events, exhibitions, and promotional activities.
• Prepare and submit periodic marketing and performance reports.

Qualifications

• Education: Minimum of HND/B.Sc. in Marketing, Business Administration, Banking & Finance, Economics, or related fields.
• Experience: 1–3 years’ experience in business development, marketing, or financial services (experience in banking/microfinance marketing is an added advantage).

Skills & Competencies:

• Strong sales and negotiation skills.
• Good knowledge of banking/financial products.
• Excellent communication and interpersonal skills.
• Ability to work independently and achieve results.
• Good networking and relationship-building ability.
• Proficiency in Microsoft Office tools.
• Target-driven and customer-focused mindset.

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Job Description

• The Business Development Officer is responsible for driving the growth of the bank’s customer base, mobilizing deposits, and promoting loan products. The role involves identifying business opportunities, building strong customer relationships, and achieving set targets to enhance the bank’s profitability and market presence.

Key Responsibilities

• Source, prospect, and onboard new customers for both deposit and loan products.
• Mobilize deposits through savings, current, and fixed deposit accounts.
• Market and cross-sell the bank’s products and services to existing and potential customers.
• Meet and exceed assigned sales and business growth targets.
• Conduct market research to identify business opportunities and customer needs.
• Develop and maintain strong relationships with individuals, groups, and businesses.
• Ensure proper documentation and compliance in onboarding and loan processing.
• Provide after-sales support and maintain high customer satisfaction.
• Represent the bank at marketing events, exhibitions, and promotional activities.
• Prepare and submit periodic marketing and performance reports.

Qualifications

• Education: Minimum of HND/B.Sc. in Marketing, Business Administration, Banking & Finance, Economics, or related fields.
• Experience: 1–3 years’ experience in business development, marketing, or financial services (experience in banking/microfinance marketing is an added advantage).

Skills & Competencies:

• Strong sales and negotiation skills.
• Good knowledge of banking/financial products.
• Excellent communication and interpersonal skills.
• Ability to work independently and achieve results.
• Good networking and relationship-building ability.
• Proficiency in Microsoft Office tools.
• Target-driven and customer-focused mindset.

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Job Description

• The Teller is responsible for processing cash and non-cash transactions efficiently and accurately while ensuring compliance with bank policies. The role requires attention to detail, strong integrity, and excellent customer service skills.

Key Responsibilities

• Receive and pay out cash/cheques accurately and efficiently.
• Balance cash daily and report discrepancies immediately.
• Verify signatures, account details, and ensure transaction authenticity.
• Manage cash in line with approved limits and policies.
• Identify and prevent fraudulent transactions.
• Provide prompt, courteous service to customers at the counter.
• Support the branch in achieving customer satisfaction and operational efficiency.

Qualifications

• Education: Minimum of OND/HND/B.Sc. in relevant fields (Banking & Finance, Accounting, Business Administration, etc.).
• Experience: 1–2 years in cash handling, teller functions, or banking operations.

Skills:

• High level of accuracy and numerical ability.
• Strong attention to detail and integrity.
• Knowledge of banking policies and regulatory guidelines.
• Good communication and interpersonal skills.
• Ability to work under pressure.

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Job Description

• The Customer Service Officer is the primary point of contact for customers, responsible for handling account services, inquiries, and complaints while ensuring excellent customer experience and compliance with regulatory standards. The CSO also plays a role in promoting the bank’s products and supporting branch operations.

Key Responsibilities

• Open, update, and maintain customer accounts in line with KYC/AML regulations.
• Handle customer inquiries, requests, and complaints promptly and professionally.
• Process service requests including transfers, standing orders, cheque confirmations, and stop payments.
• Cross-sell and upsell bank products and services to customers.
• Maintain accurate and updated customer records.
• Escalate unresolved issues to the Branch Manager/Operations Head.
• Support other operations staff to ensure smooth branch activities.

Qualifications

• Education: HND/B.Sc. in Banking & Finance, Accounting, Business Administration, Economics, or related fields.
• Experience: 1–3 years in banking operations or customer service (microfinance experience is an added advantage).

Skills:

• Strong communication and interpersonal skills.
• Good knowledge of banking operations and regulatory requirements.
• Proficiency in Microsoft Office and banking applications.
• Ability to multitask and work under pressure.
• Customer-oriented mindset with problem-solving ability.

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Job Description

• The Credit Officer is responsible for evaluating, processing, and monitoring loan applications in line with the bank’s credit policies. The role involves assessing borrowers’ creditworthiness, managing loan portfolios, ensuring timely repayment, and minimizing credit risk to the institution

Key Responsibilities

• Receive, review, and process loan applications in compliance with lending policies.
• Conduct credit appraisals, background checks, and financial analysis of applicants.
• Assess creditworthiness by analyzing income, collateral, repayment capacity, and character.
• Recommend approval or rejection of loan requests to the credit committee/manager.
• Monitor loan performance, repayment schedules, and follow up on overdue accounts.
• Maintain proper loan documentation and update credit records regularly.
• Provide guidance to clients on loan products, repayment terms, and financial literacy.
• Assist in debt recovery and negotiate repayment arrangements with defaulting clients.
• Prepare periodic credit reports for management review.
• Ensure compliance with internal credit policies, regulatory requirements, and risk management standards.

Qualifications

Education:

• Bachelor’s degree in Banking & Finance, Accounting, Economics, Business Administration, or a related field.
• Professional certifications (e.g., ICAN, ACCA, CIBN, or risk management certifications) are an added advantage.

Experience:

• Minimum of 2–3 years’ experience in credit operations, lending, or related financial services.
• Experience in microfinance, retail banking, or SME lending is preferred.

Knowledge & Skills:

• Strong knowledge of credit analysis, risk assessment, and loan management.
• Proficiency in financial analysis and use of MS Office/loan management software.
• Excellent negotiation, communication, and interpersonal skills.
• High attention to detail, analytical ability, and problem-solving skills.
• Integrity, confidentiality, and strong ethical standards.