Fresh Jobs at Addosser Microfinance Bank Limited, 29th Nov., 2018

Addosser Microfinance Bank Limited is an innovative financial institution  dedicated to improving the living condition of everyday people through value-added financial products and services. The bank was incorporated in 2008 and is duly licensed by the Central Bank of Nigeria as a microfinance bank.

We are recruiting to fill the position below:

 

Job Title: Credit Risk Officer

Location: Lagos

Duties and Responsibilities

  • Evaluate customers’ loan applications in line with the bank’s credit policy.
  • Identify critical risks in credit request and provide advisory on how requests can be restructured in line with the bank’s risk appetite.
  • Has relevant experience in analyzing consumer and SME loans.
  • Organization of credit committee.
  • Portfolio management & reporting.
  • Create innovative credit evaluation processes and systems.
  • Evaluate clients for credit worthiness based our internal risk models & their application information.
  • Weed out fraudulent applications, and unreliable applicants.
  • Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts.
  • Continuously ensure alignment/compliance to the credit risk management framework.
  • Continuously analyze and recommend improvement on credit risk management framework, processes and systems.
  • Preparation of statutory reports.

Relevant Skills, Qualification, Attributes & Experience

  • A first degree in Economics, Finance or any other discipline, Master’s Degree is an added advantage.
  • Minimum of 3 years banking experience.
  • Good knowledge of accounting and relevant lending ratios.
  • Experience in SME & consumer lending.
  • Analytical skills
  • Good communications.
  • Good reporting skills.

Job Title: Head, Savings

Location: Lagos

Relevant Skills, Qualification, Attributes & Experience

  • A First Degree in Economics, Finance or any other discipline. Master’s Degree is an added advantage.
  • Minimum of 5 years banking experience.
  • Extensive experience of working in a marketing function in a retail financial services environment
  • In-depth knowledge of financial products.
  • The suitable candidate will be able to demonstrate an understanding of the need to balance commercial and regulatory risk.
  • Applicant should have a proven track record in working within a project team.
  • Strong evidence of working with multi-stakeholder teams with internal and external resources.
  • Self-motivated individual with the ability to energize others
  • Established credibility and experience interfacing with senior leadership
  • Ability to work under tight deadlines and to prioritize under pressure
  • proven analytical capability

 

Main Responsibilities

  • Sales strategy & forecasting – work closely with the Deposit Mobilization teams to analyze business performance.
  • Design Operational marketing material – support the design and implementation of advertising, and operational marketing materials.
  • The Head, Savings shall be responsible with the cross-selling of the organization’s financial products and support the development of delivery channels and front-end technology to improve client’s access to financial services.
  • Cross sell all savings accounts accordingly and other alternative delivery channel products as applicable against given targets on specific assigned operational areas.
  • Develop and Identify suitable savings promotion activities according to area specification and prepare the action plan.
  • Drive activities, leads the team and the follow up process for opening accounts to the potential customers of the bank especially customer mobilized through market storm.
  • Develop and implement strategies to grow/retain the bank’s saving deposit.
  • Customer value management – analyze customer demographics and behavioral trends, and develop appropriate campaign strategies in response to the results of this analysis.
  • Responsible for ensuring adequate brochures and savings promotional materials are available at the branches.
  • Channel development – assess the performance of various market channels in the bank, and track development.
  • Responsible for making appropriate recommendations on future business initiatives. In addition, track developments in other channels.
  • Brand – undertake research on brand performance that supports its evolution.
  • Ensure proper relationship management internal and external.
  • Ensure proper performance management metrics is established.
  • Collaboration with the Head Strategy & Head Retail on coordinating Mass Marketing activities.
  • Formulating strategies and ad campaign

Deadline: 20th December, 2018.

Method of Application
Interested and qualified candidates should send their CV to: careers@addosser.com