Graduate Job Vacancies in Owerri at FINCA Microfinance Bank

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FINCA is a leading international Microfinance Institution offering financial services and products to small scale businesses that have been turned down by traditional banks, so that these businesses can start, grow, and diversify with resulting increases in family income, nutrition, employment and well-being. FINCA pioneered the "Village Banking method of credit delivery, now used by hundreds of organizations worldwide. Our programs reach low-income people in more diverse countries than any other microfinance provider. We are recruiting to fill the positions below:     Job Title: Credit (Loan) & Savings Officer Location: Owerri, Imo Department: Operation Summary

• 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.

Essential Duties

• 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.

Qualifications

• 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

Critical Competencies:

• 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

      Job Title: Loan Processing Intern Location: Owerri , Imo Department: Operation Summary

• FINCA Nigeria seeks to recruit a Loan Processing Intern. This position is focused on individuals who are well organized and constantly pays attention to details.
• Additionally, the position are for talented candidate with the ability to leaner as quickly as possible on the knowledge of credit processing, loan adjustments, over-payment and savings transfer management, reconciliations and filling of documents.
• The role reports to the Loan Processing Supervisor or as may be assigned.

Essential Duties KPI/Duties and Responsibilities. Other duties may be assigned:

• Responsible for posting loan applications as directed by the FINCA Nigeria loan Policy.
• Ensure all applications are captured correctly and in a timely manner in the Bank’s Core Banking system and submitted to the respective supervisor.
• Ensure sufficiency of collateral balances on client’s savings and attachment of collateral savings restrictions as per FINCA Nigeria Policy guidelines.
• Responsible for the receipt of loan adjustments requests, analysis of such requests and subsequent preparation of Credit and Debit note adjustments to clear such loan amounts.
• Responsible for accurate and timely posting of approved loan adjustment entries in the Core Banking system.
• Responsible for the receipt of loan adjustments requests, analysis of such requests and subsequent preparation of Credit and Debit note adjustments to clear such loan amounts.
• Responsible for the filing of the posted loans and ensure availability and retrieval of documents are easy and pass audit and compliance checks.

Supervisory Responsibilities:

• The Job is with no supervisory responsibilities.

Qualifications and Experience

• OND in related field
• Ability to learn as quickly as possible
• Good use of Computer System and Knowledgeable with Microsoft Offices (Word, Excel and PowerPoint)
• Accuracy in executing task and ability of paying attention to details

Critical Competencies To perform the job successfully, an individual should demonstrate the following competencies:

• Ethics: Treats people with respect; Keeps commitments; inspire the trust of others; Works with integrity and ethically; Upload organizational values.
• Problem Solving: Identifies and resolves problems in a timely manner.
• Decision Maker: Manages difficult or emotional decision in any situations, responds promptly to the needs, and meets commitments.
• Oral Communication: Speaks clearly and persuasively in positive or negative situations listens and gets clarification, responds well to questions.
• Organizational Support: Follows policies and procedures; Completes administrative tasks correctly and on time.
• Planning/Organizing: Prioritizes and plans work activities; Uses time effectively.
• Professionalism: Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibilities for own actions; Follows through on commitments.
• Quantity: Meets productivity standards; Completes work in a timely manner; Strives to increase productivity; Works quickly.
• Attendance/ Punctuality: Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.

Key Relationship

• Loan Processing Supervisor
• Loan Officers
• Customer Service Officer
• Head Teller
• Head of Banking Operations

  How to Apply Interested and qualified candidates should submit their Application and Resume within the provisioned deadline, stating the Job Position as the subject to: [email protected] For consideration candidates MUST submit their Resume in a word of PDF format. 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 Deadline  30th September, 2019.

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