Job Vacancies at Personal Trust Microfinance Bank Limited

Job Summary

• A Marketer is responsible for prospecting, marketing, business development and income generation in line with the key performance indicators.
• The Marketer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.

Duties and Responsibilities

• Achieve growth within the Key performance indicators: liability and risk asset generation, account opening, income generation, and e-banking product offerings.
• Evaluate the creditworthiness of customers by processing loan applications and documentation.
• Monitors active loans and enforces collection and recoveries.
• Ensures the achievement of all budget parameters.
• Develop referral networks and cross-sell products and services.
• Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
• Actively seek out new sales opportunities through cold calling, networking, and referrals.
• Expedites the resolution of complaints to maximize satisfaction and boost the customer service experience.
• Achieve a healthy portfolio and deposit mix.
• Executes marketing strategies and develops marketing campaigns.
• Ensures compliance with all internal policies and regulatory guidelines.
• Monitors competition by gathering current marketplace information on pricing, products, etc.
• Recommends changes in products, services, and policies by evaluating results and competitive developments.
• Identify potential loan markets and develop peferral networks.
• Perform any other duties as may be assigned by Management.

Qualifications

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

Experience:

• 3 - 10 years of work experience
• Previous experience in a marketing role in a Microfinance Bank or Financial Organization is an advantage.

Skills:

• Demonstrated ability to communicate, present, and influence credibly and effectively at all societal levels.
• Proven ability to drive the sales process.
• Strong business sense and industry expertise.
• Basic understanding of sales principles and customer service practices.
• Friendly, helpful, confident and engaging personality.
• Excellent communication and interpersonal skills.
• Ability to work in a goal-oriented environment.
• Ability to work in a team.
• Strong planning, organizational and time management abilities.
• Proficient in the use of MS Office suite.

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Job Summary

• The Credit Admin Officer is responsible for all credit administration functions in the department.
• The jobholder ensures credit file documentation is in line with product paper and in compliance with the credit policy.

Duties and responsibilities

• Maintains registers and records of outgoing and incoming credit documents and collateral
• Serves as a liaison between staff and the credit department
• Responsible for the preparation of all credit-related letters and correspondence
• Develop and maintain a filing and archiving system
• Provides support to the legal, recovery, compliance and operations departments on credit-related request and enquiries
• Receive and keep of all security documents in conjunction with the legal department
• Perform credit status inquiry and interface with Credit Bureau
• Daily monitor the credit portfolio and evaluate the risk of potential default while recommending solutions to the loan recovery team
• Provides weekly collection and payment schedules to marketers while ensuring prompt and timely repayments as per schedule
• Identify and escalate repayment irregularities for further management action
• Research and evaluate credit applicant's financial status, references, credit and
• Any other responsibility assigned by Management

Qualifications

• HND / B.Sc in Accounting, Finance, Statistics or any related field
• Evidence of completion or exemption from NYSC

Experience:

• Demonstrated experience as a credit administrator or monitoring officer in a financial institution.

Skills:

• Excellent administrative skills
• Strong communication and interpersonal skills (including writing and speaking)
• Strong financial analysis skills with the ability to prioritize and manage workflow under strict deadlines
• Highly organized and detail-oriented
• Proficient in the use of MS Office Suite.
• Ability to multi task and handle pressure.

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Job Summary

• The Credit Analyst will perform credit analysis and risk assessment on current and potential customers to determine their eligibility in line with the credit guidelines and policies of the bank.

Duties and Responsibilities

• Ensure high-quality evaluation of credit applications and customers to determine if they meet the eligibility and acceptability criteria of the bank in line with the credit policy and guidelines
• Ensure that all terms and conditions (pre and post disbursement conditions) of approval are met, and all security documents are in place prior to disbursement.
• Ensure on-site inspection and monitoring of customer’s businesses and collaterals when necessary
• Maintain control and custody of all security documents in conjunction with the legal department
• Research and evaluate credit applicant's financial status, references, credit and risk to determine the eligibility of the application
• Perform credit status inquiries and interface with Credit Bureaus.
• Ensure that adequate and timely loan loss provisions are made based on actual and expected losses.
• Ensure proper documentation of all incoming and outgoing credit documents.
• Interview loan applicants and guarantors when necessary.
• Compare the liquidity, profitability, and credit histories of the individual or company being evaluated with those of similar establishments to determine risk.
• Routinely monitor loans for compliance.
• Formulate and implement appropriate strategies and actions to maximize recovery of non-performing accounts and minimize credit loss.
• In conjunction with the remedial team, evaluate collateral and documentation to identify a recovery or remedial strategy for restructured accounts.
• Any other responsibility assigned by Management.

Qualifications

• HND / B.Sc in Accounting, Finance, Statistics, or any related field
• Evidence of completion or exemption from NYSC.

Experience:

• Demonstrated experience as a credit analyst in a Microfinance Bank or any other financial institution.

Skills:

• Strong financial analysis skills with the ability to prioritize and manage workflow under strict deadlines
• Highly organized, detail-oriented, and with solid verbal and written communications skills
• Persistence, flexibility, and a high service orientation, as well as a reputation for dependability, professionalism, and a commitment to teamwork
• Proficient in the use of MS Office Suite.
• Ability to multitask and handle pressure.