Responsibilties


Evaluate customers' loan applications in line with the organisation's credit policy.
Identify critical risks in credit requests and provide advice on how requests can be restructured in line with the bank’s risk appetite.
Has relevant experience in analysing consumer and SME loans.
Organisation of the credit committee.
Portfolio management & reporting.
Create... innovative credit evaluation processes and systems.
Evaluate clients for credit worthiness based on our internal risk models & their application information.
Detect fraudulent applications and unreliable applicants.
Review Facility Letters and Loan Agreements, scrutinising the signed documents to ensure the accuracy of the contracts.
Continuously ensure alignment/compliance with the credit risk management framework.
Continuously analyse and recommend improvements on the credit risk management framework, processes and systems.
Preparation of statutory reports.


Qualification / Requirements


A First Degree in Economics, Finance or any other discipline, a Master’s Degree is an added advantage.
2 - 5 years’ relevant experience in the Financial Services Industry.
Good knowledge of accounting and relevant lending ratios.
Experience in Credit Risk Management
Data Analytics and Effective Communication
Good Knowledge of Credit Analysis and Appraisal
Experience in SME
Good reporting skills. more

Requirements


Candidates should possess a B.Sc Degree in related discipline with 2 - 4 years of work experience.

Job Summary


The IT Operations Manager will support the Head, Information Technology in overseeing the bank’s IT systems and ensuring reliable, secure, and efficient operations.
This role involves managing IT services, assisting with project implementation, supervising the IT support team, and ensuring compliance with industry regulations.


Key Responsibilities

Operational... Support:


Assist the Head, Information Technology in managing day-to-day IT operations, including monitoring systems, networks, and core banking system and other applications.
Ensure the timely resolution of technical incidents and minimize service disruptions.
Coordinate IT maintenance schedules, system upgrades, and patch management.


Team Supervision:


Provide guidance and support to IT staff, ensuring efficient task allocation and workload management.
Assist in training and mentoring the IT operations team to enhance technical and problem-solving skills.


Incident and Risk Management:


Act as an escalation point for IT incidents and coordinate with the team to resolve complex issues.
Identify potential risks in IT operations and recommend mitigation strategies.


Compliance and Security:


Ensure adherence to banking regulations, cybersecurity protocols, and IT governance frameworks.
Collaborate with the IT security team to monitor and address vulnerabilities in the system.


Vendor and Stakeholder Collaboration:


Support the Head, Information Technology in managing vendor relationships and ensuring SLAs are met.
Liaise with internal stakeholders to understand IT needs and provide appropriate support.


Monitoring and Reporting:


Assist in monitoring IT system performance and preparing reports for senior management.
Maintain documentation of IT assets, configurations, and operational processes.


Project Assistance:


Participate in IT projects, including upgrades, system integrations, and new technology implementations.
Ensure alignment of IT projects with business objectives and timelines.


Requirements


Interested candidates should possess a B.Sc Degree in related discipline with 6 - 8 years of work experience. more

Responsibilities


Assisting customers with processing transactions, such as deposits, withdrawals, or payments, resolving complaints or account discrepancies, and answering questions.
Up-selling and Cross-selling of bank's products and services to existing and potential customers.
Tracking, recording, reporting, and storing information related to transactions, and customers, ensuring all... information is accurate and complete.
Handling currency, transactions, and confidential information professionally..
Ensure customer satisfaction and provide professional customer support.
Keeping records of customer interactions, transactions, comments and complaints.
Knowing our products inside and out so that you can answer questions.
Maintaining a positive, empathetic and professional attitude toward customers at all times.
Responding promptly to customer inquiries.
Communicating with customers through various channels.


Requirements


Candidates should possess an HND / OND qualification with 1 - 3 years work experience.
Cash handling experience and on-the-job training may be required.
Exceptional time management, communication, and customer service skills.
High level of accountability, efficiency, and accuracy.
Good knowledge of MS Office especially Excel and Word
Strong communication and interpersonal skills
High level of accountability, and accuracy. more

Description 

Proper knowledge of the bank’s policies, processes and procedures.
Carries out periodic value-added and risk-based audits in all the departments and branches at least once a year to ensure strict adherence to the bank’s Internal Policies and Procedures.
Carry out physical verification of assets and reconciles with records maintained in the bank.
Ensure prevention and early... detection of fraud.
Carry out holistic investigations on frauds and irregularities detected.
Timely visit & Quality Report of snap checks carried out on at least 30-50 customers/Outlets.
Carry out effective and error-free Call Over.
Produce timely audit reports to the Head, Internal Audit
Carry out daily call-over postings and reconciliations
Confirm all fees and commissions paid and earned so as to identify outstanding (if any).
Comply with relevant accounting standards.
Confirms IT backup, both on-sight and off-sight and reviews backup register.
Verifies asset existence/reviews Asset Register.

Relevant Skills, Qualifications, Attributes & Experience

HND / University Degree in Banking & Finance or Accounting.
Student Member of Professional body e.g. ACCA, ICAN, ANAN.
2 - 4 years’ experience in financial services.
Knowledge of the banking regulations and laws.
Proficiency in Computer Applications Excel /Microsoft Office/Banking Application
Good written and oral communication.
Highly attentive to detail with excellent organizational and documentation skills.
Proven analytical skills and problem-solving ability paired with meticulous attention to detail.
Desire to work in a fast-paced environment, consistently adhering to deadlines and evolving priorities.
Candidate must be between 24 - 30 years of age (age should be clearly stated on cv).
Detail-oriented and strong planning and organizing skills.
Unquestionable integrity and high level of commitment.
Cognate experience in a microfinance bank.
Knowledge of control and risk self-assessment facilitation techniques.
Knowledge of the environment, regulations, and laws.
Familiarity with the common indicators of fraud. more

Job Description

Proper knowledge of the bank’s policies, processes and procedures.
Carries out periodic value added and risk based audits in all the departments and branches at least once a year to ensure strict adherence to the bank’s Internal Policies and Procedures
Carry out physical verification of assets and reconciles with records maintained in the bank.
Ensure prevention and early... detection of fraud.
Carry out holistic investigations on frauds and irregularities detected.
Timely visit & Quality Report of snap checks carried out on at least 30-50 customers/Outlets.
Carry out effective and error Free Call Over.
Produce timely audit reports to the Head, Internal Audit
Carry out daily call-over postings and reconciliations
Confirm all fees and commissions paid and earned so as to identify outstanding (if any).
Comply with relevant accounting standards.
Confirms IT backup, both on-sight and off-sight and reviews backup register.
Verifies asset existence/reviews Asset Register.

Relevant Skills, Qualification, Attributes & Experience

HND / University Degree in Banking & Finance or Accounting
Student Member of Professional body e.g. ACCA, ICAN, ANAN
1 - 3 years’ experience in financial services
Knowledge of the banking regulations and laws
Proficiency in Computer Applications Excel /Microsoft Office/Banking Application
Good written and oral communication
Highly attentive to detail with excellent organizational and documentation skills
Proven analytical skills and problem-solving ability paired with meticulous attention to detail
Desire to work in a fast-paced environment, consistently adhering to deadlines and evolving priorities.
Candidate must be between 22 - 28 years of age (age should be clearly stated on cv)
Detail-oriented and strong planning and organizing skills
Unquestionable integrity and high level of commitment
Cognate experience in a microfinance bank
Knowledge of control and risk self-assessment facilitation techniques.
Knowledge of the environment, regulations, and laws.
Familiarity with the common indicators of fraud. more

Responsibilities

Carry out reconciliation of bank Account positions.
Raise journal entries to update inflow and outflow of funds
Carry out performance tracking for market facing staff members.
Ensure monthly remittances of tax deductions for both Federal and Lagos State Tax Authorities.
Prepare monthly depreciation schedule of the organisation’s fixed assets and monthly amortization of... outstanding prepared expenses.
Maintain the schedule of prepaid expenses of the organisation.
Appropriate coding of transaction/expense voucher in line with the proper accounting system.
Daily review of general ledgers for accuracy.
Prepare, monitor and control the performance of departmental budgets in accordance with the strategic plan of the organisation.

Relevant Skills, Qualification, Attributes & Experience

HND / University Degree in Banking, Accounting, Economics or other related field
Associate Member of Professional body e.g. ACCA, ICAN is an added advantage
Minimum of 3 years’ experience in financial services.
IFRS experience strongly desired.
Knowledge of the insurance regulations and laws.
Proficiency in Computer Applications Excel /Microsoft Office/Banking Applications
Good written and oral communication. more