Jobs at Personal Trust Microfinance Bank

Job Summary

• The Accountant is responsible for reconciliation and settlements activities and will provide revenue assurance to the bank.

Duties and Responsibilities

• Ensure daily reconciliation and posting of all of all transactions and provide daily/weekly reconciliation and settlement reports.
• Support the E-business team in resolving settlement and reconciliation matters.
• Monitor income/fees and ensure value is promptly transferred to the bank.
• Verify the incoming and outgoing payment on e-channel accounts.
• Reconcile bank statement with entries in the bank ledger on a daily/weekly/monthly basis and present the reconciliation reports.
• Prepare daily and weekly report on over/under-settlement of transactions.
• Identify, follow up and investigate unreconciled transactions or discrepancies to enable prompt resolutions
• Liaising regularly with various bank account officers on issues relating to direct debits, standing orders, unidentified credits and charges from time to time.
• Monitors the deduction on loan and facilities with various banks and reconciling with terms and conditions in of the offer.
• Develop and maintain business relations with payment partners.
• Liaise with the settlement bank and payment processing companies on potential under-settlement and ensure resolution of issues identified in line with the company’s policies and procedures.
• Advise the finance team of possible over-settlement for necessary provisions.
• Maintain reconciliation records.
• Rendition of monthly returns and processing of associated payments for FIRS, LIRS and PFAs within seven days of deduction.
• Sending daily dashboard report to management.
• Provide support to other finance team a required.
• Support end of day/month and year process.
• Flexibility to carry out any other task as requested by Management.

Qualifications

• HND / B.Sc in Accounting, Economics or a related field.
• Evidence of completion/ exemption of/from NYSC.
• ICAN or ACCA qualification.

Experience:

• Previous experience as a Reconciliation Officer/Accountantin a financial institution, microfinance bank will be an added advantage.
• 3 - 5 years work experience.

Skills:

• Experience reconciling accounting figures and financial records
• Great analytical skills for decision making and problem solving
• Strong client relationship management and customer service skills
• Team player with the ability to work with multiple parties
• Advanced computer software skills, including Microsoft Excel
• Organization and time management abilities
• Meticulous attention to detail and accuracy
• Ability to multi task and meet tight deadlines.

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Job Summary

• The Branch Manager is responsible for the development, coordination, supervision and implementation of operational and business activities in the branch.
• The job holder implements strategic plans and drives sales target and revenue in line with budgetary projections.

Duties and Responsibilities

• Ensure high-quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes)
• To ensure that customers are migrated to more appropriate and cost-effective channels, that cross-selling opportunities are identified and actioned, based on customer needs.
• Proactively identify and assess the risks faced by the branch and reduce the overall exposure by maintaining an effective system of controls.
• Ensure the effective rollout of management initiatives to the branch
• Maintains a high level of integrity and ethical standards
• Manage assets, e.g. cash and cost accountabilities, with emphasis on the containment of controllable costs
• Manage and ensure overall operational readiness/efficiency of branch infrastructure (including, premises, assets, physical security, opening/closing procedures and operational issues such as fraud, losses and differences
• Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated and recommend revision of internal controls where appropriate, to address new or previously uncontrolled risks
• Ensure that dual controls and levels of authority and limits of access to information/systems are adhered to
• Develop marketing and relationship management plans to achieve responsive sales targets for the centers
• Coach the responsive relationship management team on product knowledge,
• Monitor and manage the performance and development of subordinates to ensure sustained profitability, compliance with the Code of Banking Practice, internal controls and overall well-being of staff
• Prepare a staffing plan to meet service demands in the branches
• Prepare periodic reports including daily, weekly, monthly, quarterly and annual reports
• Achieve volume and revenue target
• Flexibility to carry out any other task as requested by Management

Qualifications

• HND / B.Sc in Science, Social Science or any other related course
• Evidence of completion/ exemption of/from NYSC
• Evidence of completion of Microfinance Certification program.

Experience:

• Minimum of five (5) years’ experience as a Branch Manager in a bank.
• Analytical and practical understanding of workflow, capacity planning / optimization and process implementation
• Proven experience of marketing and negotiating techniques

Skills:

• Basic Financial Analysis - Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
• Business acumen - Ability to spot opportunities and optimize revenue generation for the business
• A thorough knowledge of standardised banking products
• A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product
• Extensive knowledge of banking regulations
• Understanding and application of Best Practice in all areas of Operations with the ability to drive efficiency and effectiveness
• Strategy planning and implementation
• Strong planning, organizational and time management abilities
• Excellent computer skills; experience in financial software, Microsoft Office Suite
• Advanced knowledge of regulatory provisions, policies and best practices
• Leadership, team management and mentoring
• Metrics-driven mindset
• Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers
• Proficient in the use of MS Office suite.