Jobs at Personal Trust Microfinance Bank Limited

Job Summary

• The Credit Analyst will perform credit analysis and risk assessment on current and potential customers to determine their eligibility in line with the credit guidelines and policies of the bank.

Duties and Responsibilities

• Ensure high quality evaluation of credit applications and customers to determine if they meet the eligibility and acceptability criteria of the bank in line with the credit policy and guidelines
• Ensure that all terms and conditions (pre and post disbursement conditions) of approval are met, and all security documents are in place prior to disbursement.
• Ensure on-site inspection and monitoring of customer’s businesses and collaterals when necessary
• Maintain control and custody of all security documents in conjunction with the legal department
• Research and evaluate credit applicant's financial status, references, credit and risk to determine the eligibility of the application
• Perform credit status inquiry and interfaces with Credit Bureaus.
• Ensure that adequate and timely loan loss provisions are made based on actual and expected losses.
• Ensure proper documentation of all incoming and outgoing credit document.
• Interview loan applicants and guarantors when necessary.
• Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk.
• Routinely monitor loans for compliance.
• Formulate and implement appropriate strategies and actions to maximize recovery of non-performing accounts and minimize credit loss.
• In conjunction with the remedial team, evaluate collateral and documentation to identify recovery/remedial strategy for restructured accounts.
• Any other responsibility assigned by Management.

Qualifications

• HND / B.Sc in Accounting, Finance, Statistics or any related field.
• Evidence of completion/ exemption of/from NYSC.

Experience:

• Demonstrated experience as a credit analyst in a Microfinance Bank or any other financial institution.

Skills:

• Strong financial analysis skills with the ability to prioritize and manage workflow under strict deadlines
• Highly organized, detail oriented, with solid verbal and written communications skills
• Persistence, flexibility and a high service orientation, as well as a reputation for dependability, professionalism and a commitment to team work.
• Proficient in the use of MS Office suit.
• Ability to multi task and handle pressure.

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Job Summary

• A Marketer is responsible for prospecting, marketing, business development and income generation in line with the key performance indicators.
• The Marketer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.

Duties and Responsibilities

• Achieve growth within the Key performance indicators; liability and risk asset generation, account opening, income generation, and e-banking product offerings.
• Evaluate the creditworthiness of customers by processing loan applications and documentation.
• Monitors active loans and enforces collection and recoveries.
• Ensures the achievement of all budget parameters.
• Develop referral networks and cross-sell products and services.
• Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
• Actively seek out new sales opportunities through cold calling, networking and referrals.
• Expedites the resolution of complaints to maximize satisfaction and boost customer service experience.
• Achieve a healthy portfolio and deposit mix.
• Executes marketing strategy and develops marketing campaigns.
• Ensures compliance with all internal policies and regulatory guidelines.
• Monitors competition by gathering current marketplace information on pricing, products, etc.
• Recommends changes in products, services, and policies by evaluating results and competitive developments.
• Identify potential loan markets and develop peferral networks.
• Perform any other duties as may be assigned by Management.

Qualifications

• HND / B.Sc in Social Science or any other related course.
• Evidence of completion / exemption of / from NYSC.

Experience:

• 3 - 10 years of work experience.
• Previous experience in a marketing role in a Microfinance Bank or Financial Organization is an advantage.

Skills:

• Demonstrated ability to communicate, present and influence credibly and effectively at all societal levels.
• Proven ability to drive the sales process.
• Strong business sense and industry expertise.
• 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.
• Strong planning, organizational and time management abilities.
• Proficient in the use of MS Office suite.