Job recruitment at Prosperity Microfinance Bank Limited

Job Title: Cashier / Teller

Location: Benin City, Edo
Employment Type: Full-time

Job Responsibilities

• Filling out paperwork / deposit and withdrawal slips
• Supply clients with relevant information on products and services available in the bank
• List all promotions and relay them to customers
• Resolve customer issues pertaining to products and services
• Recording transactions, which involves logging checks and preparing transaction reports
• Counting and packaging currency
• Reconciling cash drawers
• Opening new accounts and helping with loan applications
• Promoting the bank’s products and services
• Keeping customers’ personal information confidential
• Balancing numbers at the end of the business day

Requirement

• OND / NCE in relevant courses with at least 1 year work experience.
• Sufficient clerical, bookkeeping, and administrative cash handling experience
• Previous work experience as a Cashier/Teller in the banking sector will be an advantage
• Ability to maintain a balance of large bulk of currency constantly
• Ability to maintain confidential information, thereby safeguarding the bank’s integrity
• Ability to execute assigned duties effectively by proper understanding of both verbal and written directives
• Ability to tolerate stress
• Adequate customer service orientation and experience.
• Must have integrity and be trustworthy
• Should have written and verbal communication skills; Organization skills; Time-management skills; Teamwork skills; Multitasking skills etc.
• The ability to process transactions quickly and accurately in a fast-paced environment
• Computer literacy.

Job Title: Credit / Loan Officer

Location: Benin City, Edo
Employment Type: Full-time

Responsibilities

• Review loan requests
• Assess clients’ financial status
• Evaluate creditworthiness and risks
• Interviewing applicants to determine financial eligibility and feasibility of granting loans
• Contact clients to gather financial data and documentation
• Analyze risks and approve or reject loan requests
• Complete loan contracts and counsel clients on policies and restrictions
• Calculate financial ratios (e.g. credit scores and interest rates)
• Set up payment plans
• Maintain updated records of loan applications
• Follow up with clients about loan renewals
• Monitor progress of existing loans Operate in compliance with laws and regulations and adhere to lending compliance guidelines
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas

Requirements

• BSc / HND in Banking and Finance, Economics or related field
• Proven work experience as a Credit Officer / Loan Officer or similar role in the banking sector especially in a microfinance bank (with a minimum of 3 years of work experience).
• Hands-on experience with lending procedures and products
• Familiarity with computers and banking applications/software or ability to create and process financial spreadsheets
• Solid understanding of direct/indirect lending products and practices
• Excellent communication and interpersonal skills
• Customer satisfaction orientation and sales competencies
• Ability to work in a goal-oriented environment
• Strong analytical skills

Job Title: Head, Credit / Marketing

Location: Benin City, Edo
Employment Type: Full-time

Job Description

• Oversee the articulation and execution of the Bank’s marketing strategies, ensuring alignment with the overall corporate strategy, goals and objectives.
• Provide guidance, leadership support and direction to the Marketing team.
• Build the Bank’s profile and brand image in the market through sustained campaigns.
• Develop and manage strategic relationships with key customers in relevant market segments.
• Lead the Bank’s deposit mobilization efforts and ensure quality risks assets are created.
• Coordinate the deployment of effective market penetration and market share acquisition frameworks.
• Oversee the collation of market business intelligence to support effective decision-making.
• Champion the development and establishment of the effective channel strategies to support the Bank’s marketing efforts.
• Champion periodic planning and budget review sessions, monitor implementation and performance and ensure development of effective strategies to address shortfall in targets.
• Champion the drive to increase the Bank’s market share by promoting and institutionalizing a customer service-oriented culture.
• Monitor changing market dynamics and adapt product offering to effectively meet these needs.
• Perform other tasks as may be assigned by the Management.

Requirements

• Candidate must possess minimum of B.Sc. / HND in Marketing or any related field, and any relevant professional certification will be an advantage
• Candidate must have a minimum of 5 years’ experience; 3 of which must be on the job role.
• Broad and in-depth knowledge of Microfinance Banking.
• In-depth knowledge and understanding of marketing principles – advertising, brand management, market/ sector targeting, product development etc.
• Good understanding of micro and macro-economic indices and their impact on small businesses.
• Strong people management, mentoring, and leadership skills.
• Well-developed communication, presentation, negotiation and relationship management skills.