Fresh Jobs at Baobabplus

Overview

• Responsible for conceptual ownership of all management processes in operations within the branch(s) of the bank.
• Ensure adequate compliance with information technology industry standards by the bank.
• Identify potential risks inherent in the established procedures within these areas of his responsibility and Identify appropriate mitigating control measures against such risks.
• The employee shall also be responsible for designing appropriate controls for management approval and subsequent implementations, where necessary control measures are not in place.
• The incumbent will be a key support to the management and serves as the eye of the Chief Risk Officer in ensuring all employees of the branch comply with laid down rules and procedures in the performance of their assigned roles.
• In essence, his duties shall focus on ensuring the branch's assets are safeguarded and ensuring the integrity of the branch records.

Responsibilities

• Ensure adequate vault administration control
• Ensure adequate control in the handling of late deposits and subject-to-count deposits
• Provide control of cash and teller operations
• Cash shipment control
• Customer verification & field inspection
• Cheque clearing and fund transfer control
• Branch/ department expenses control & ensure proofing on prepayment
• Customer service control – Account opening, Reactivation, closing, and client inquiries
• Risk assets creation and management control, including fund utilization spot check.
• Money laundering and KYC control
• Branch/department personnel - Attendance register, Leave utilization and compliance, Staff Engagement, Discipline, etc
• Branch transaction call-over and credit files review
• Branch Risk Champion – Branch Risk Register, Issue Management, and Controls.

Required Profile

• Minimum of HND/B.Sc. in accounting or ICAN PE1
• Internal control or audit practice experience is an advantage
• Analytical and Accounting Skills
• Oral and Written Communication Skills
• Extensive Working Knowledge of Microsoft Word, Excel and PowerPoint, Intranet Mailing facility, and the core banking application of the bank
• Conceptual Skills of banking operations, I.T., credit administration, risk management
• Microfinance Internal Control skills

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Responsibilities:

• Respond to customer inquiries, concerns, and complaints via telephone, email, or chat in a professional and timely manner.
• Troubleshoot and resolve customer issues related to products or services, ensuring a satisfactory resolution for the customer.
• Adhere to all call center objectives, performance standards, and company policies to maintain high-quality customer interactions.
• Provide guidance and assistance to fellow agents by addressing questions, sharing best practices, and offering support during challenging calls.
• Identify operational inefficiencies or issues within the call center and collaborate with supervisors or managers to propose and implement potential improvements.
• Compile and generate reports based on call center data, analyze trends, and provide valuable insights to assist management in setting and achieving call center goals.

Requirements:

• Exceptional verbal and written communication skills to effectively interact with customers and colleagues.
• Strong comprehension of company products, policies, and services to accurately address customer inquiries and provide relevant information.
• Excellent problem-solving abilities to quickly and creatively find solutions for customer concerns.
• Outstanding customer service skills that exhibit patience, empathy, and a customer-centric approach.
• Ability to remain composed, courteous, and professional under pressure, particularly during high call volumes or challenging interactions.
• Proficient multitasking skills to efficiently handle multiple tasks, such as data entry and active listening, simultaneously.
• Effective phone skills to conduct conversations, gather information, and assist customers over the phone.
• Active listening skills to comprehend customer needs and accurately address their inquiries.
• Strong customer focus, demonstrating a commitment to delivering exceptional service and exceeding customer expectations.
• Attention to detail to accurately record information, follow processes, and provide precise solutions.
• Proficient in Igbo

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Mission

• Recover bad debts from debtors who show unwillingness to pay back the loan taken.
• Conduct regular review and visits to clients with outstanding loan portfolios at risk.
• Daily review of all the outstanding and overdue loan clients.
• Make regular reports and suggestions to the bank on actions required to protect its fund from bad loan clients.
• Recovery of classified loans.
• Initiates process to prosecute hard core debtors in line with guiding bank policy,
• Negotiate work out plans with willing debtors.
• Liaise with branches to manage and monitor non - performing loans.
• Any other responsibilities that may be assigned by the immediate supervisor.

Required Skills / Experience

• Candidates should possess an HND or B.Sc Degree
• 1 - 3 Years of experience in Recovery in a Microfinance Institution
• Fluent in English and Hausa or Yoruba (spoken and written)
• Strong negotiation
• Articulate and result oriented
• High level of integrity
• Accurate, organised and motivated
• Previous loan recovery experience