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Account Officer

JOB DETAILS

New Seasons Microfinance Bank Limited  – Established in 2019. Our management team comprises seasoned and distinguished professionals from diverse backgrounds complemented by the expertise of our technical partners. At New Seasons Investment & Microfinance Bank our core values, business philosophy and methodology distinguish us as one of the leading microfinance banks in Nigeria.

Job Title: Account Officer
Loactions: 
Ilorin, Kwara State

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;
  • 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.
  • Correctly complete loan application and evaluation process
  • 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;
  • Provide support to peers and others within New Seasons MfB in uplifting its values and policies.

JOB REQUIREMENTS

MIN REQUIRED EXPERIENCE:

Not Specified

MIN QUALIFICATION:

Bachelor’s Degree/HND

DESIRED COURSES:

• Business • Accounting • Finance • Economics • Banking

OTHER REQUIREMENTS:

Qualification & Experiences

  • A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.
  • Must have completed NYSC
  • Understand the local area where they are working
  • 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 an added advantage.

Key Performance:

  • 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 New Seasons 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.

Required Knowledge:

  • Become knowledgeable and known in the assigned geographic zone.
  • Build rapport with community, business associations and leaders;
  • Be known and visible in the community;

Apply for this position

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