Job Vacancies at Balogun Gambari Microfinance Bank Limited

Job Purpose

• Relationship Managers will be responsible for the advertisement, business development and income generation in line with the bank’s financial forecast and Key Performance Indicators.

Duties and Responsibilities

• Achieve growth within the Key performance indicators; liability and risk asset generation, account opening and income generation.
• Evaluate creditworthiness by processing loan applications and documentation within specified limits.
• Develop referral networks and cross-sell products and services to accomplish quotas
• Ensure high levels of customer satisfaction through excellent sales service.
• Keep up to date with product information and accurately describe product features and benefits.
• Build and promote strong, long-lasting customer relationships.
• Identify emerging markets and market shifts while beingfully aware of new products and competition status.
• Develop and execute strategic plans to achieve sales targets and to expand the bank’s customer base.
• Effectively communicate value propositions through proposals and presentations.
• Identify market trends and conduct market research to identify selling possibilities and evaluate customer needs.
• Actively seek out new sales opportunities through cold calling, networking and referrals
• Negotiate/close deals and handle customer complaints or objections.
• Expedite the resolution of customer problems and complaints to maximize satisfaction
• Continuously improve through feedback.

Qualifications

• Candidates should possess a B.Sc / HND in relevant fields
• Evidence of completion/ exemption from NYSC

Experience:

• Previous experience in a marketing capacity is strongly desired with Proven sales experience of consistently meeting or exceeding targets
• Thorough understanding of marketing and negotiating techniques
• Trend identification and product development

Skills:

• Demonstrated ability to communicate, present and influence credibly and effectively at all levels societal levels.
• Proven ability to drive the sales process from plan to close
• Excellent verbal and written communications skills
• Strong business sense and industry expertise
• Excellent mentoring, coaching and people management skills
• 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.

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Job Purpose

• To effectively manage the Cash department and ensure controls of the Bank’s local and foreign cash and draft instruments are consistently adhered to.

Duties and responsibilities

• Compiles and reconciles data involving the electronic transfer of funds to maintain accounting records:
• Examines electronic funds transaction entries on documents, such as bank statements and printouts, for completeness and accuracy.
• Posts transaction data to specified accounts.
• Manages both internal and external transfers for bank customers.
• Handles inward and outward clearing instruments.
• Ensure customers' check requests are promptly processed
• Directs cash management operations to include daily cash administration and bank relations.
• Reviews and drives cash management; ensuring that the bank’s financial obligations are met
• Timely reconciles cash applications and disbursements.
• Monitors cash transactions to ensure that bank account balances and any unusual transactions are investigated.
• Forecasts, monitors and tracks cash flow (weekly, monthly, quarterly etc.).
• Prepares cash flow reports, and identifies and evaluates variances.
• Works with Financial controller to accurately forecast cash flows
• Responsible for evacuation of cash in compliance with vault and insurance limits.
• Petty Cash handling and reconciliation.
• Manage and maintain cash limits at the bank and ensure prompt expatriation of excesses
• Plan and coordinated delivery and collection of cash to and from corresponding banks

Qualifications

• Candidates should possess an HND / B.Sc in Accounting, Finance or relevant field
• Evidence of completion / exemption of/from NYSC

Experience:

• Minimum of 4 years of banking experience.
• Previous experience in a similar role or capacity
• Good communication and interpersonal skills

Skills:

• Knowledge of all regulatory policies and procedures
• Ability to recognize problems and apply Risk Management techniques to address them
• Strong planning, organizational and time management abilities
• Excellent verbal and written communication skills
• Meticulous attention to detail and accuracy.

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Job Purpose

• The Credit Analyst will provide credit administration support and service. 
• The primary focus of this role is to perform credit analysis and risk assessment on current and potential customers/guarantors for all business loans and assist with monitoring designated loan portfolios.

Duties and Responsibilities

• Compare liquidity, profitability, and credit histories of individuals or companies being evaluated with similar establishments to determine risk.
• Compile reports regarding finance and credit data.
• Manage files and records.
• Complete credit analyses, summaries of loan requests, and submit them to loan committees for approval.
• Review individual or commercial customer files to identify and select delinquent accounts for collection.
• Minimize bad debt risk and maximize accounts receivable collections.
• Keeping company credit exposures within set risk-bearing limits
• Making recommendations about procedural/policy changes
• Analyzing client records and using the data to recommend payment plans
• Conferring with credit associations and references to exchange credit information on clients
• Prepare daily/weekly/monthly/annual reports that include the degree of risk involved in extending credit or lending money.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
• Assess the creditworthiness of existing or prospective clients
• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.)
• Complete ratio, trend and cash flow analyses and create projections
• Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner
• Determine in depth the degree of risk involved
• Carefully analyze data and produce clear and objective reports
• Routinely monitor loans for compliance
• Adhere to credit policy and guidelines
• Monitor corporate portfolio asset quality on an ongoing basis
• Draft models of credit information that predict trends and patterns

Qualifications

• Candidates should possess an HND / BSc in Accounting, Finance, Statistics or relevant field
• Demonstrated success as a credit analyst or similar financial analyst role, preferably within credit administration in a commercial bank or like an institution.
• Evidence of completion / exemption of / from NYSC

Experience:

• Minimum of 4 years of credit & risk preferably in the financial industry.
• Previous experience as Financial Controller in a financial institution
• In-depth knowledge of corporate financial law, financial management practices and procedures.
• A solid understanding of financial statistics and accounting principles
• Working knowledge of all statutory legislation and regulations

Skills:

• Strong financial analysis skills with the ability to prioritize and manage workflow under strict deadlines.
• Highly organized, and detail-oriented, with solid verbal and written communication, including the ability to interface confidently with senior executives.
• Persistence, flexibility, a high service orientation, a reputation for dependability, professionalism and a commitment to teamwork.
• Polished, professional business image is of utmost importance as this person will work with senior management and customers on an ongoing basis.
• Proficient in the use of MS excel and word.

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Job Purpose

• The aim of the role is to source for new clients, generate business & income for the bank as well as supervise respective teams to ensure the Banks profitability.

Duties and Responsibilities

• Design and implement a strategic business plan that expands the company’s customer base and ensures its strong presence
• Own and hit/exceed annual sales targets within assigned territory and accounts
• Understand category-specific landscapes and trends, reporting on the forces that shift tactical budgets and strategic direction of accounts
• Develop a growth strategy focused both on financial gain and customer satisfaction
• Achieve growth within the Key performance indicators; liability and risk asset generation, account opening and income generation.
• Evaluate creditworthiness by processing loan applications and documentation within specified limits.
• Develop referral networks and cross-sell products and services to accomplish quotas
• Ensure high levels of customer satisfaction through excellent sales service
• Keep up to date with product information and accurately describe product features and benefits
• Build and promote strong, long-lasting customer relationships
• Identify emerging markets and market shifts while beingfully aware of new products and competition status
• Effectively communicate the value proposition through proposals and presentations
• Identify market trends and conduct market research to identify selling possibilities and evaluate customer needs.
• Actively seek out new sales opportunities through cold calling, networking and referrals
• Negotiate/close deals and handle customer complaints or objections.
• Expedite the resolution of customer problems and complaints to maximize satisfaction
• Continuously improve through feedback.

Qualifications

• Candidates should possess a B.Sc / HND in Accounting, Finance or relevant field;
• Evidence of completion/ exemption of/from NYSC
• MCP certification is mandatory

Experience:

• Five (5) or more years of experience in a similar position, preferably in the financial industry
• Previous experience in a marketing capacity is strongly desired with Proven sales experience of consistently meeting or exceeding targets
• Thorough understanding of marketing and negotiating techniques
• Trend identification and product development

Skills:

• Demonstrated ability to communicate, present and influence credibly and effectively at all levels societal levels.
• Proven ability to drive the sales process from plan to close
• Excellent verbal and written communications skills
• Strong business sense and industry expertise
• Excellent mentoring, coaching and people management skills
• 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