A microfinance bank situated in Lagos has urgent vacancies for the following positions:
Head Credit & Risk Management
Qualification, Skills & Experience required:
- BSc degree or equivalent preferably in finance, accounting or Statistics.
- ACA / Masters degree in Business Administration (MBA) or other equivalent post graduate / professional degree is an added advantage
- Relevant post-graduation training / qualification in credit, finance or accounting required.
- Minimum of 5-8 years experience in credit & risk management gained from a retail financial institution, with at least 3 years successful direct experience in management at a professional level.
- Experience in managing Retail, small business and personal lending esp as regards inherent risks and mitigants specific to different economic sectors
- Knowledge of product development particularly microfinance related products – such as small business, personal loans etc.
- Experience in appraising credit, loan administration and monitoring, developing processes and managing large credit portfolio,
- Experience in developing and managing enterprise wide credit and risk management policies and ensuring enforcement.
- Proven tract record of success in delivering results and targets.
- High degree of computer literacy, and logical capabilities
- Strong financial analysis and credit writing skills,
- Good communication, interpersonal and negotiation skills,
- Ability to comprehend and interpret complex documents,
- Excellent leadership, managerial and team building skills,
- Commitment to company’s development mission,
- Sound knowledge of local laws and regulations governing operations of financial institutions,
- Sound knowledge of banking practices, regulatory, risk and compliance issues,
- Ability to hire, train and mentor teams,
- Ability to build and maintain quality loan portfolio,
- Extensive network of key people for business development and staffing
CREDIT & RISK MANAGEMENT OFFICERS
Qualifications, Skills and Experience required
- BSc degree or equivalent preferably in finance, accounting or Statistics.
- Extensive Credit administration, credit appraisal and credit monitoring experience minimum of 2yrs
- Knowledge of banking practices, regulatory, risk and compliance issues
- Implement credit processes and work flows to improve customer service levels and efficiency
- Ensure that appropriate processes are implemented to monitor loans and recover delinquent loans
- Implement Loan Compliance Risk monitoring /testing i.e. checking of records, reviewing credit related transactions, highlighting exceptions and results from monitoring and testing activities and taking corrective actions where necessary
- Ability to work under pressure and with minimal resources
- High degree of computer literacy, and logical capabilities
- Strong financial analysis and credit writing skills,
- Strong, proven focus on bottom line performance,
- Good communication, interpersonal and negotiation skills
If you meet the above requirements, send your CV to [email protected] with the position you are applying for as the subject of the email. Only emails with the proper subject will be treated.