Accion MFB
(234) 1 271-9325

Job Details
Job Responsibilities
  • Build and maintain portfolio of quality clients rapidly and consistently to reach target portfolio within assigned period
  • Liaise with community organizations, business associations, and individual entrepreneurs;
  • Implement promotion campaigns and information sessions;
  • 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.
  • Develop an accurate evaluation of each client?s capacity and willingness to repay the requested loan.
  • Correctly complete loan application and evaluation forms;
  • 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.
  • Develop a relationship with each client to support the business success and build client 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 and business associations and leaders;
  • Be known and visible in the community;
  • Develop goodwill of community towards Accion MfB.
  • In collaboration with the Branch Manager, coach, support, and motivate allocated Account Officers
  • Maintain a high standard of discipline among the allocated Account Officers and ensure that they are performing according to expectation.
  • Ensure that the work flows of the allocated Account Officers are efficient and well-defined on a weekly and monthly basis.
  • To take over Loan portfolio of any Account Officer as directed by management.
  • Ensure that supervised Account Officers follow policies and procedures
  • Spot-check approved applications for supervised Account Officers.
  • In collaboration with the Branch Manager, set performance goals for supervised Account Officers and monitor their performance per procedures.
Qualification & Experiences
  • A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.
  • Must have completed NYSC
  • Strong interpersonal skills
Key Performance
  • Efficiently and accurately complete all forms and administrative steps required to manage the portfolio and contribute to the smooth operation of Accion MfB.
  • Coordinate the activities of the credit committee for loan applications pertaining to his/her supervised Account Officers;
  • Chair the credit committee for loan applications pertaining to his/her supervised Account Officers within his/her authority level;
  • Ensure all documentation and requirements are complete prior to loan approvals;
  • Ensure quality of analysis by supervised Account Officers.
  • The Account Officer will be required to maintain minimum performance productivity standard as will be advised base on which he/she will be subject to continuous evaluation
  • Ability to develop strong financial analysis skills
  • Ability to assess character of potential clients
  • Ability to assess character of potential clients
Required Knowledge
  • Develop goodwill of community towards Accion MfB.
  • Understand the local area where they are working
  • Experience in credit of financial service industry

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Elizade Plaza, 322A Ikorodu Road, Lagos, Nigeria
(234) 1 271-9325
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