Credit And Marketing Head

Job Details

Location: Ondo

Employment Type: Full-time

Reporting to: The Managing Director

Key Responsibilities

The Credit and Marketing Manager is responsible for supervision of all Business Development initiatives.

Provide effective leadership guidance in business development strategy

Achieve overall profitability target of the microfinance bank

Implement and execute regular sales activities to generate business

Responsible for the 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 the Microfinance lending procedures, policies and methodology.

Inspect prospective client's business to ascertain its viability and assessment of collateral

Write reports for granting of loan facility

Monitor approved loans and continuously support and advise clients on good management practices

Consistently adhere to regulatory standards

Job Requirements

The Credit and Marketing Manager must possess:

A minimum of first degree or its equivalent in a business related discipline (additional qualification or degree in any finance or business-related discipline may be an advantage).

A minimum of five (5) years post-qualification experience out of which, at least three (4) must have been in the financial services industry.

Evidence that the candidate possesses proven skills and competencies in practical Microfinance banking.

Must be somebody very close to the grassroots leading the credit and Business Development of the Microfinance Bank

Core Competencies:

Professionalism, integrity and commitment to social mission of Micro-finance banking.

Strong business acumen and knowledge of low income market

Comprehensive knowledge of Micro-finance banking products, marketing and business development

Sound knowledge of Micro-finance services, procedure, laws and regulations

Strong analytical skills

Knowledge of micro, small and medium enterprise market.

Strong oral and written communication skills

Strong general management and people skills