Job Details
Job Responsibilities
  • Liaise with community organizations, business associations, and individual entrepreneurs
  • Identify potential clients
  • Sensitize potential clients on all aspects of the loan program: procedures to apply, the terms and conditions, the incentives for good performance, and penalties for late repayment and default
  • Correctly complete loan application and evaluation process
  • Arrange and undertake business site visits
  • Verify and cross-check all information relevant to the loan application and evaluation
  • Evaluate the willingness and capacity to repay of the client
  • Ensure an appropriate guarantee is in place and documented
  • Determine and present loan terms and conditions to credit committee
  • Participate in credit committees providing input on other members? loan proposals
  • Prepare and present own loan proposals to credit committee
  • Develop relationship with each client to support the business success and cultivate loyalty
  • Monitor client business progress to identify any potential problems
  • Offer suggestions and referrals where appropriate and within company policy
  • Demonstrate a concern and build client rapport
  • Implement late repayment recovery procedures of Accion MfB
  • Achieve and maintain targets on portfolio at risk and loan loss
  • Emphasize the importance of on-time repayment with clients
  • Monitor repayment reports daily and client behavior patterns
  • Become knowledgeable and known in the assigned geographic zone
  • Build rapport with community, business associations and leaders
  • Be known and visible in the community
  • Provide support to peers and others within Accion MfB in uplifting its values and policies
Qualification & Experiences
  • A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields with numerate coursework
  • Must have completed NYSC
Key Performance
Required Knowledge
  • Understand the local area where they are working
  • Independent worker; honest and of high integrity
  • Experience in credit of financial service industry will be an added advantage
  • Computer literacy
  • Strong financial analysis skills

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