Role Description

Fina Trust Microfinance Bank is seeking Loan Officers for a full-time on-site position in Lagos.
Successful candidates will be responsible for screening loan applications, assessing client creditworthiness and ensuring repayment terms are met on time.
They will also be responsible for providing excellent customer service, cultivating and maintaining strong relationships with... clients, and achieving target goals as set out by the Bank.

Qualifications

Bachelor's degree/HND Degree
Experience in Microfinance preferred
Prior experience working in a financial institution, microfinance bank or credit union is preferred
Familiarity with loan assessment, processing and risk management practices
Familiarity with computer programs such as Microsoft Excel and loan tracking software
Excellent communication skills and customer service experience
Self-motivated, able to work independently and in a team, and able to manage a high-volume of ongoing tasks
Bilingual candidates are strongly encouraged to apply more

Responsibilities

Act as liaison officer with Police, EFCC and other Law Enforcement Agencies.
Drafting and review of all legal agreements which includes but not limited to Loan Agreements, Deed of Legal Mortgage, Deed of Equitable Mortgage, Deed of Assignment, Deed of Sale, Tenancy Agreement, Lease Agreement, Service Level Agreement, Cash Collection Agreement, and Asset Financing... Agreements.
Liaison with recovery department and providing assistance where needed on the recovery of past due obligations.
Draft and review of loan documentations.
Ensuring legal compliance with loan documentations before disbursing.
Liaising with external solicitors as regards the Banks' exposure; securities and collateral.
Liaising with risk management of the Bank to ensure protection of the Banks' assets.
Conduct searches at the Corporate Affairs Commission, Lands' Registry, Probates Registry, as the case may be.
Ensure the proper custody of the Banks' seal and legal agreements.
Verification and sign off on all legal documents.
Liaison with recovery department and providing assistance where needed on the recovery of past due obligations.
Assist with Company secretarial services where and if required

Qualifications & Requirements

LLB in Law and BL with common law background.
At least 3 years post call experience in similar position
Not more than 5 years post call.
Knowledge of Microsoft Office
Good written and Verbal communication skills
Excellent organizational skills
Very good, clear and concise writing skills
Highly structured and creative
Self-motivated, results oriented and problem solver. more

Job Summary

To support the Head of Liabilities in managing the sales/branch network and meet CASA and fee goals of the bank.

Job Responsibilites

To grow CASA for the bank.
To grow the Fee income for the bank.
Increase the non - interest income by strengthening/modifying existing products and exploring new product/services lines.
Support the bank in launching and managing the preferred... banking division.
Help the bank in setting up the contact centre.
Set up KPI’s of the branch sales team, in consultation with the Head of Liabilities.
Hire, train, motivate, track and manage performance of the branch sales team in collaborationwith the Head of Liabilitiesand with the help of HR.
Set up a Daily Operating Rhythm for the sales team at branches.

Financial Responsibilities:

Manage resources effectively and within budget.

Independent Decisions:

Collaboration with management & Head of Liability
Managing & training the Branch Sales Team.
Regular contact withCorporate staff and Branch staff
Frequent contact with various vendors.

Requirements / Skills

Master's in Business or Marketing preferred.
5 - 7 years of experience as Retail head, Sales Head or a regional head of a bank
Conversant with Savings Mobilization.

Qualities:

Effective communication skills
Hardworking and flexible individual
Good team player
Coordination skills
Adaptability
Flexibility
Experience in managing sales teams and sales targets

Other:

Carry out work in accordance with the banks procedures
Perform the assigned tasks with due diligence
Eliminate waste of whatever form, suggest the use of new practices and contribute to the continuous improvement of the bank. more