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Account Officer at Accion Microfinance Bank Limited
work Accion Microfinance Bank LimitedplaceKano & NasarawaDate Posted: 2018-07-16Accion Microfinance Bank Limited is hiring Account Officers in Kano & Nasarawa
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.
- Identify potential clients.
- 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.
- Develop an accurate evaluation of each client?s capacity and willingness to repay the requested loan.
- Correctly complete loan application and evaluation process
- Arrange and undertake business site visits
- Arrange and undertake business site visits
- 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.
- Participate in credit committees providing input on other members? loan proposals.
- Prepare and present own loan proposals to credit committee.
- Develop relationship with each client to support the business success and cultivate 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, business associations and leaders.
- Be known and visible in the community.
- Develop goodwill of community towards Accion MfB.
- Provide support to peers and others within Accion MfB in uplifting its values and policies.
Qualification & Experiences
- A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields with numerate coursework.
Key Performance
- Strong numerical and analytical skills, self-confidence, strong conceptual and presentation skills.
Required Knowledge
- Understanding of the local area where they are working
- Ability to speak and understand Hausa language.
- Strong interpersonal skills.
- Ability to develop strong financial analysis skills.
- Ability to assess character of potential clients.
- Computer literacy.
- Independent worker; honest and of high integrity.
- Experience in credit of financial service industry will be add advantage
How to Apply
if interested and qualified, please click here to apply
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