Jobs at Baobabplus

Main Responsibilities

• Promote/Market Baobab’s products to prospective clients
• Visit and evaluate potential client businesses
• Visit client’s personal house
• Visit co-debtor, guarantor’s house and businesses
• Analyze financial data of client’s businesses
• Analysis of quantitative and qualitative data of client businesses and households
• Prepare loan documents for credit committee
• Present loan files to credit committee
• Enter Loan files in the MIS.
• Conduct monitoring visits to business and households
• Follow- up on loan repayment
• Manage loan recovery from active and write-off client until the last kobo
• Assess the impact of loan before renewal
• Deposit Mobilization
• Any other task as directed by your line supervisor.

Education

• Minimum of a B.Sc or HND
• Fluent in English (Written/spoken)
• Detail oriented
• Target oriented
• Articulate and well spoken
• High level of integrity
• Dynamic and motivated and individuals who like to work outdoors
• Must have completed NYSC
• Basic Knowledge in accounting, finance and mathematics
• Previous work Experience or training In sales (Preferably in an MfB or a commercial Bank).

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Duties and Responsibilities

• Prospect new SME clients and assist them for deposit mobilisation.
• Analyse and interpret financial statements to make informed business decisions as regards a borrower - viability, capacity to repay.
• Deposit Mobilisation and retention via prospecting, converting new prospects and managing existing relationship.
• Grow customer base through customer acquisition via the sale of bank products.
• Driving liability balances on accounts within their portfolio.
• Cross-sell electronic products for ease of transacting.
• Participate in market storms, event and door-to-door marketing.
• Provide daily/weekly sales report.
• Attendance of weekly/monthly performance review.
• Conducts loan appraisal and collects detailed information (personal, business, and guaranties) and arranges to open a new loan account.
• Prepares and arranges documentation for approval and disbursement of loan.
• Maintain contact and maintain good relationships with clients.
• Ensure full compliance with all in-place.
• Any other task as assigned by the Head of Department.

Requirements

• Bachelor's Degree in Banking & Finance, Accounting or any related field.
• At least 2 - 3 years prior experience in the credit/SME department from a Microfinance bank.
• Organisational and time management skills.
• Ability to work effectively in a team environment.
• Negotiation and internal relationship building.
• Sound written and verbal English communication skills.
• Advanced computer skills (MS Word, Excel, PowerPoint).
• Analysis and reporting skills.
• Problem-solving and decision-making.

Skills and Specifications:

• Good understanding of business processes.
• Ability to communicate and maintain good relations with the client.
• Good presentation skills and excellent courteous attitude; social concern.
• Ability to work in confidentiality; ability to work in the field.