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  • Posted: Sep 24, 2018
    Deadline: Oct 26, 2018
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    The Foundation for International Community Assistance (FINCA International) is a non-profit, microfinance organization, founded by John Hatch in 1984. Sometimes referred to as the "World Bank for the Poor" and a "poverty vaccine for the planet", FINCA is the innovator of the village banking methodology in microcredit and is widely regarde...
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    Credit/Loan Officer


    Location:
    Owerri, Imo

    Job Summary

    • FINCA is recruiting for Credit (Loan) Officers to join FINCA Microfinance bank Limited, Owerri, Nigeria.
    • This position is for both experienced and entry level officers with a direct report to Customer Relationship Supervisor.
    • The Credit Officer shall be responsible to effectively develop, manage and maintain high quality loans and savings portfolio.
    • S/he is also responsible in the close monitoring of repayment behaviours of client to ensure quality, while keeping client’s savings portfolio active

    Essential Duties

    • Partner with Team Leader in developing weekly/monthly plans with regards to client mobilization and individual performance goals.
    • Maintain a good knowledge of assigned market geographical area and understand clients need with competing products.
    • Research and develop business opportunities within assigned geographical zone and assist marketing department with market research and impact studies upon request.
    • Market all FINCA Products and Services to potential clients by using the promotional tools as approved by management.
    • Responsible in acquisition and management of loans and savings portfolio; Loan initiation, processing, monitoring and repayment.
    • Conduct a thorough loan analysis to ascertain customer’s payment capacity and willingness; evaluate the credit risk before Credit Committee Meetings.
    • Reduce liquidity risk by aggressively reducing dormant savings accounts.
    • Ensure each loan disbursed are in compliance with FINCA lending procedures, policies and methodology.
    • Prepare and present report as assigned by your Team Leader/ Branch Manager.
    • Compile credit files with required documentation and hand over to back office staff for processing.

    Qualifications

    • Bachelor's Degree/HND with minimum of 2nd Class Lower (2.2) or Credit in any related discipline.
    • Minimum of 1 year post NYSC experience in credit or a client facing sales role with a financial institution.
    • Strong customer orientation.
    • Basic mathematical and analytical skills required.

    Qualifications Competencies:

    • Analytical - Synthesizes complex or diverse information; Uses intuition and experience to complement data.
    • Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
    • Technical Skills - Strive to continuously build knowledge and skills; Shares expertise with others.
    • Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others’ ideas and tries new things.
    • Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interest; Able to build morale and group commitments to goals and objectives; Supports everyone’s efforts to succeed.
    • Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Task calculated risks to accomplish goals.
    • Planning/ Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Set goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.
    • Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.

    Method of Application

    Applicants should submit their Applications and Resume within the provisioned deadline, stating the job position as the subject to: fincamfbhr@fincanigeria.com

    Note

    • For consideration candidates must submit their resume in a word of PDF format.
    • Candidate MUST be willing to relocate to Owerri, Imo State, Nigeria,
    • All selection process; Aptitude Test and Interviews shall be conducted in Owerri, Imo State Nigeria.

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