Validity period: 01/08/2019 - 30/09/2019
Duty Station: Owerri , Imo , Nigeria
Position: Credit (Loan) & Savings Officer
Department: Operation

Job Description

FINCA is recruiting for Credit (Loan) & Savings Officers to join FINCA Microfinance bank Limited, Owerri, Nigeria.  This position is for both experienced and entry level officers with a direct report to Customer Relationship Supervisor. The Credit & Savings Officer shall be responsible to effectively develop, manage and maintain high quality loans and savings portfolio; cross-selling the organization’s financial products and support the development of delivery channels and front- end technology to improve client’s access to financial services.

S/he is also responsible in the close monitoring of repayment behaviours of client to ensure quality, while keeping client’s savings portfolio and other banking channels subscribed by clients active.

  • Partner with Team Leader in developing weekly/monthly plans with regards to client mobilization and individual performance goals.
  • Maintain a good knowledge of assigned market geographical area and understand clients need with competing products.
  • Research and develop business opportunities within assigned geographical zone and assist marketing department with market research and impact studies upon request.
  • Market all FINCA Products and Services to potential clients by using the promotional tools as approved by management.
  • Responsible in acquisition and management of loans and savings portfolio; Loan initiation, processing, monitoring and repayment.
  • Conduct a thorough loan analysis to ascertain customer’s payment capacity and willingness; evaluate the credit risk before Credit Committee Meetings.
  • Reduce liquidity risk by aggressively reducing dormant savings accounts.
  • Ensure each loan disbursed are in compliance with FINCA lending procedures, policies and methodology.
  • Prepare and present report as assigned by your Team Leader/ Branch Manager.
  • Compile credit files with required documentation and hand over to back office staff for processing.
  • Any other responsibilities required by the Branch Manager or Savings Manager in line with FINCA policies.
  • Bachelor’s Degree/HND with minimum of 2nd Class Lower (2.2) in related discipline.
  • Minimum of 1 year post NYSC experience in credit or a client facing sales role with a financial institution.
  • Strong customer orientation.
  • Basic mathematical and analytical skills required
  • Analytical – Synthesizes complex or diverse information; Uses intuition and experience to complement data.
  • Problem Solving – Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
  • Technical Skills – Strive to continuously build knowledge and skills; Shares expertise with others.
  • Interpersonal Skills – Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others’ ideas and tries new things.
  • Teamwork – Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interest; Able to build morale and group commitments to goals and objectives; Supports everyone’s efforts to succeed.
  • Motivation – Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Task calculated risks to accomplish goals.
  • Planning/ Organizing – Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Set goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.
  • Quality – Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality

Application Deadline:

16th August, 2019

Application Instruction:

Interested candidates should submit their Application and Resume within the provisioned deadline, stating the job position as the subject to fincamfbhr@fincanigeria.com For consideration candidates MUST submit their resume in a word of PDF format.

Please Note: Candidate MUST be willing to relocate to Owerri, Imo State, Nigeria, all selection process (Aptitude Test and Interviews) shall be conducted in Owerri, Imo State Nigeria.

Application Form