Careers at ACCION

ACCION Microfinance Bank Limited (AMfB) is one of the largest microfinance banks in Nigeria with a capitalization of N1.7bn and total asset of N2.7bn as at December 31, 2012.  Its shareholders include three of the leading commercial banks in Nigeria: Citibank, Zenith Bank and Ecobank, as well as three global financial institutions: IFC, a member of the World Bank, SME Managers and ACCION Investments.  Accion Microfinance Bank is a member of Accion International Network of Microfinance Institutions.  Accion International is a private, nonprofit organization with the mission of building a financially inclusive world by giving people the financial tools they need to improve their lives.  A world pioneer in microfinance, Accion International was founded as a community development organization in 1961 and issued its first microloan in 1973 in Brazil. Over time, Accion has helped to build 63 microfinance institutions in 31 countries on four continents that are currently reaching millions of clients. In the United States, the U.S. Accion Network is the largest microfinance lending network in the country and has served tens of thousands of clients, with over $300 million in loans. For three consecutive years (2011, 2012, 2013), ACCION Microfinance Bank won the Lagos State Enterprise Award (LEAD) for Best Microfinance Bank of the Year.  In 2012, ACCION Microfinance Bank was voted “Top 5 Company for Outstanding Work Place Practices in Nigeria!”.

 

As a result of ACCION Microfinance Bank’s expansion plan for 2014, the following vacancies are now available for suitable and qualified candidates to apply:

 

1.        BRANCH MANAGER

Key Responsibilities:

·         Oversees the affairs of a branch.

·         Ensure that all Branch staff follow and implement policies and procedures.

·         Spot-check, approved applications.

·         Monitor performance per procedures for all Branch staff.

·         Ensure that all approved loans in the Branch are disbursed timely and accurately.

 

Qualification and Experience

·         A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

·         Minimum of 2yrs experience as a branch manager in a Microfinance Bank

 

2.        COMMERCIAL OFFICER

Key Responsibilities:

·         Oversees the affairs of a mini branch.

·         Ensure that all staff assigned to him follows and implements policies and procedures.

·         Spot-check, approved applications.

·         Monitor performance per procedures for staff assigned.

·         Ensure that approved loans are disbursed timely and accurately.

 

Qualification and Experience

·         A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

·         Minimum of 4yrs experience as a Loan Officer  in a Microfinance Bank

 

3.        LOAN OFFICER

Key Responsibilities:

·         Prepare and present 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.

·         Demonstrate a concern and build client rapport. 

·         Manage and recover loans.

 

Qualification and Experience

·         A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

 

4.        COLLECTION  OFFICERS

Key Responsibilities:

·         Take full responsibility for collections from loan clients as assigned on a daily basis from the due date of their loans up to 30 days of default.

·         Ensure collections are, as much as possible made on due dates itself which will be the first  indicator of performance as Collection Officer

·         Visit residence of prospective loan clients to asses among other things their stability of residence in the place, the upkeep of their living.

·         Visit the Guarantor at his residence and/or place of work. Draw out location/route map to the residence/office indicating permanent landmarks for ease of location.

 

Qualification and Experience

·         OND in Business, Banking, Finance, Accounting, Economics, and/or related fields.

 

5.        RECOVERY OFFICER

Key Responsibilities:

·         Use initiative in negotiating and implementing the best recovery strategy to enhance debt recovery for the organisation.

·         Use of judgement when assessing individual circumstances.

·         Implement new cost effective and efficient ways to improve performance within Recovery unit.

·         Manages loans that fall within 31-120days

 

Qualification and Experience

·         A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

 

6.        DEBT COLLECTOR

Key Responsibilities:

·         Manages overdue accounts. 

·         Responsible for communicating all necessary details, discussing the delinquent issues with the debtor.

·         The Debt collectors will also provide regular updates of receivables to the Recovery Manager

·         Manages loans that are over 120 days bucket.

 

Qualification and Experience

·         A minimum of SSCE

·         Minimum of 2yrs experience as a Recovery Officer/ Debt Collector in an MfB or Commercial Bank.

 

7.        HEAD BRANCH OPERATIONS

Key Responsibilities:

·         Ensure liquidity position of the branch is maintained at all times through advance planning at minimal costs.

·         Ensure compliance with regulations in the issuing and receipt of cash from the strong room

·         Ensuring account reconciliation and managing situation if this is not the case.

·         Checking daily suspense accounts and exercising snap shots in all of branch operations

 

Qualification and Experience

·         A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

·         Minimum of 2yrs experience as an HBO in an MfB Or 3yrs as an operations staff in a commercial Bank .

 

8.        HEAD TELLER

Key Responsibilities:

·         Monitor transactions done and the amount of currency in the vault at the end of every business day.

·         Check details filled in the deposit slips like account number, name and date are accurate and verify the amounts.

·         Receive cash deposits and cheques.

·         Feed the transaction information into the bank database using various company owned tools and generate receipts for the customers

 

Qualification and Experience

·         A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

·         Minimum of 2yrs experience as an Head Teller in an MfB Or 3yrs as a Teller in a commercial Bank.

 

9.        TELLER

Key Responsibilities:

·         Receive and count working cash at beginning of shift

·         Accept cash and cheques for deposit and check accuracy of deposit slip

·         Process cash withdrawals

·         Perform services for customers such as ordering bank cards and cheques

 

Qualification and Experience

·         OND in Business, Banking, Finance, Accounting, Economics, and/or related fields.

 

10.    CUSTOMER SERVICE OFFICER

Key Responsibilities:

·         Input customer data efficiently into the system in order to create loans ready for disbursement.

·         Prepare all signature cards and account opening forms to facilitate the opening of accounts for all new clients.

·         Ensure all document and requirements for loan are complete prior to disbursements.

·         Prepare offer letter and surety letter(if necessary) for clients and guarantors

 

Qualification and Experience

·         A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

 

11.    OPERATIONS BACK OFFICER

Key Responsibilities:

·         Data capturing of credit files and all account opening package.

·         Document verification and proper filling of files and monthly report.

·         Efficiently and accurately complete all forms and administrative steps required to manage the portfolio and contribute to the smooth operation of AMB

·         Manage correspondence between the branch, customers, other branches and head office to ensure adequate responses to issues raised

 

Qualification and Experience

·          A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

 

12.    AUDIT INSPECTOR

Key Responsibilities:

·         Regular review of audit trail and other essential logs

·         Review of client company's (including change of addresses, change of names, Bank mandates, Probates or letters of administration and ensuring updates

·         Perform tests of compliance with Organizational policies and guidelines

·         The incumbent will have direct line authority and responsibility to identify market based business opportunities

 

Qualification and Experience

·         A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

 

13.    BRANCH CONTROLLER

Key Responsibilities:

·         Maintain and review departmental internal control policies, procedures and processes

·         Implement departmental internal control policies, procedures and processes

·         Maintain an effective, efficient, and transparent system of internal

·         Implement and maintain appropriate delegation framework

 

Qualification and Experience

·         A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.

 

METHOD OF APPLICATION

All CVs should be sent-

 

a)        By Email: To jobs@accionmfb.com. Please ensure that the subject of your email is the position being applied for. Emails without the appropriate subject will not be considered.

 

b)        By Hand: Hard copy CV’s could be also be submitted to our Human Resources Department  at the following address:

 

ACCION Microfinance Bank Ltd.

Head  Office Annex

No. 93  Ladipo Street (2nd Floor)

Off Fatai Atere Way

Matori , Lagos


 

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