Jemi Neil Consulting – Our client, a Microfinance Bank seeks to engage the services of a suitably qualified candidate for the position below:
Job Title: Loan Officer
Location: Victoria Island, Lagos
Job Responsibilities
- Analyze active loan files on a regular basis and recommend solutions to speed up the loan process.
- Interview applicants to define financial eligibility and establish debt payment plans and Monitor and update account records.
- Prepare detailed loan proposals.
- Respond to applicants questions and resolve any loan-related issues.
- Operate in compliance with Company policies, as well as State laws and regulations.
- Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
- Market bank products to individuals and firms, promoting bank services that may meet customers’ needs.
- Submit applications to credit analysts for verification and recommendation.
- Approve loans within specified limits and refer loan applications outside those limits to management for approval.
Job Requirements
- Bachelor’s degree in Finance, Economics, Marketing or similar field.
- A minimum of 2 years’ experience as a loan officer in a microfinance bank.
- Solid understanding of local, state, and federal loan regulations on Loan Management.
- In-depth knowledge of Microsoft Officer and banking software.
- Outstanding interpersonal and communication skills.
- Customer service oriented with exceptional sales skills.
Job Title: Monitoring and Compliance Officer
Location: Victoria Island, Lagos
Job Description
- Our client, a micro finance bank seeks to employ a Monitoring and Compliance Officer. He/She is to provide technical support for data collection, quality assurance, analysis and learning processes including setup of M&E systems in the company’s field.
Job Responsibilities
- Ensure that all recovery / collections staff update their Loan repayment sheets as well as other sheets assigned to them within the given timeframe and all step-to-step procedures for loan recovery/collections are being followed within the available timeframe.
- Ensure that the monitory sheet is being updated on a daily basis with details of non-compliance to duties from all departments.
- Assist the Head of department in development of compliance programs, reviewing company policies, and advising management on possible risks.
- Advise management through the head of department on the company’s compliance with laws and regulations through detailed reports.
- Assess company operations to determine compliance lapses and risk.
- Report matters likely to be, illegal or amount to maladministration and noncompliance to the head of department.
Requirements
- Must have an Accounting background.
- 2-3 years proven experience in a compliance officer role.
- Good knowledge of legal requirements and procedures
- Brilliant oral and written communication skills
- Highly analytical with strong attention to detail.
- A good experience in Internal Auditing will be an added advantage.
Job Title: Credit Risk Officer
Location: Victoria Island, Lagos
Job Descriptions
- We seek to engage the services of a Credit Officer to facilitate lending for their company by assessing creditworthiness. The Credit Officer will be responsible for preparing loan applications, evaluating clients’ financial information and calculating risk ratios.
- To be successful in this role, you should have a good understanding of lending procedures and customer service experience.
Job Responsibilities
The credit risk officer will assist the Risk Department to:
- Perform risk assessments and review the credit application submitted by front line officers; exercise credit judgment; and make sound credit recommendations and / or decisions;
- Perform pro-active on-going credit monitoring and risk management on the client as well as portfolio level;
- Ensure all internal credit policies and procedures are adhered to and help to develop or enhance such policies and procedures;
- Ensure on-going compliance with regulatory requirements;
- Analyze risks and approve or reject loan requests, review clients’ financial status, evaluate creditworthiness and risks, calculate financial ratios (e.g. Debt to Income Ratio and interest rates)
- Set up payment plans
- Help to prepare various credit reports to be presented to Senior Management;
- Ensure all transactions have full and proper documentation.
Job Requirements
- University degree holder or above in Management, Business Administration, Finance, Economics, Accountancy or related discipline;
- At least 2 years’ experience in corporate lending or credit risk management;
- Good understanding of the risk issues across a wide variety of corporations, industries and regions;
- Good analytical, communications and interpersonal skill;
- Good report writing skills
- Proficiency in use of MS Word, Excel and PowerPoint.
Job Title: Finance Officer
Location: Victoria Island, Lagos
Job Responsibilities
- Assist in monitoring the day-to-day financial operations within the company (payroll, invoicing, and other transactions)
- Assist in preparing monthly and quarterly management reporting.
- Assist in supervising the Update of client loan repayment and Disbursement History.
- Manage the company’s financial accounting, monitoring and reporting systems
- Assist in ensuring compliance with accounting policies and regulatory requirements.
- Conduct Periodic Financial Risk Management with the Finance manager.
- Develop secure procedures to maintain confidential Financial information.
- Ensure all accounting activities and audits comply with financial Regulations.
Job Requirements
- Bachelor’s degree in Finance or Accounting plus 2 years of experience in accounting and/or financial analysis
- Data Processing skills.
- Excellent business judgment, analytical, and decision-making skills.
- Knowledge of financial reporting and data Management Tools like BANK ONE
- Strong demonstrated use of Excel, Word, and PowerPoint.
Job Title: Operations Officer
Location: Victoria Island, Lagos
Job Descriptions
- We seek to engage the services of an organized and driven operations officer that will effectively develop and enact company policies and increase efficiency of operations for our organization.
- Candidate must be a strong leader with excellent interpersonal skills and an outstanding business intellect.
Job Responsibilities
- Oversee and direct daily company administrative processes and procedures.
- Report to and assist Chief Operating Officer in daily tasks and duties.
- Ensure company policies align with and advance business objectives.
- Strategically map-out, plan, and manage projects.
- Analyze and maintain operational data.
- Develop improved business functionality that increases profits.
- Communicate with management teams to confirm execution of company processes
- Design and continuously improve existing and new business processes.
- Ensure compliance at all times with Regulatory.
Qualifications and Experience
Essential requirements:
- At least 2 years experience in consumer or commercial lending either as a business / systems / process analyst or credit / risk / collections manager.
- Competent Project Management skills.
- Understanding of the full credit lifecycle including acquisition, fraud, account management, collections and recoveries.
- Familiar with operating Loan Banking Applications such as Bank One or other enterprise software.
- Numerically savvy, able to work with data, perform analysis and communicate result.
- Experienced in performance management.
- Proficient on Microsoft Office Suite.
- Decision making skills.
- Strong analytical skills and problem solving abilities.
Deadline: 28th May, 2020.
How to Apply
Interested and qualified candidates should forward their CV and Cover Letter (Highlighting similar work experience) to: recruitment@jemineil.com with the email subject as “Monitoring and Compliance Officer”.
Note: Candidate must reside on the Island.
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