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CURRENT RECRUITMENT
Maineflow Limited
An emerging Microfinance Institution in Lagos, with excellent organizational culture, is looking to fill the following positions with individuals who possess positive work ethics and are willing to become a part of a high performing organization.
- Business/ Relationship Development Executive
- Credit Officer
- Administration and Finance Operations Manager
Application Information
Location: Lagos,
Employment Type: Full Time
Application Deadline: 16th September 2022
How to Apply
Interested and qualified candidates should send their Applications (CV and Cover Letter) to: redberylmanagementconsulting@gmail.com indicating the position being applied for as the subject of the email.
Business/ Relationship Development Executive
Job Summary
- As a Business Development Executive, you will work to improve an organization’s market position and achieve financial growth.
- You are expected to participate in the definition of long-term organizational strategic goals, build key customer relationships, identify business opportunities, negotiate, and close business deals and maintain extensive knowledge of current market conditions especially the financial markets.
Main Responsibilities
- The Business Development Executiveis responsible for developing business solutions
- The main goal is to generate more revenue for the company, to identify sales leads, pitch goods or services to new clients and maintain a good working relationship with old and new contactsand come up with new sales ideas. This includes new sales strategies, sales pitches, and business plans.
- Generate Revenue in terms of deposits
Roles / Responsibilities
- Prospect for potential new clients and turn this into increased business.
- Developing growth strategies and plans.
- Meet Investment/risk targets for each products as set out at the beginning of the fiscal year.
- Preparation of budgets and reviewing time-framesfor meeting budget.
- Manage portfolio to balance interest rate yield per loan while continually increasing funding volumesand minimizing delinquency.
- Identify and mobilize Investments from both individual and corporate entities.
- Deliver quality client service by ensuring that loan decisions are communicated effectively to clients in a timely manner.
- Manage commission payouts and communicate interest rate changes as the need arises.
- Cold call as appropriate within your market or geographic area to ensure a robust pipeline of opportunities. Meet potential clients by growing, maintaining, andleveraging existing network.
- Research and build relationships with new clients.
- Set up meetings between client decision makers and Bank’s practice leaders/Principals.
- Plan approaches and pitches.
- Work with team to develop proposals that speak to the client’s needs, concerns, and objectives.
- Participate in pricing the solution/service.
- Handle objections by clarifying, emphasizing agreements and working through differences to a positive conclusion.
- Use a variety of styles to persuade or negotiate appropriately.
- resent an image that mirrors that of the organization.
- Investment Appraisal.
Business Development Planning:
- Attend industry functions, such as association events and conferences, and provide feedback and information on market and creative trends.
- Present to and consult with mid and senior level management on business trends with a view to developing new services, products, and distribution channels.
- Identify opportunities for campaigns, services, and distribution channels that will lead to an increase in sales.
- Using knowledge of the market and competitors, identify and develop the Banks’s unique selling propositions and differentiators.
- Brainstorm with other business development teams to create new products that will meet client’s needs while increasing profitability
- Manage records of new clients established, investments risk assets and other important data.
Management and Research:
- Submit weekly progress reports and ensure data is accurate.
- Forecast sales targets and ensure they are met by the team.
- Track and record activity on accounts and help to close deals to meet these targets.
- Work with marketing staff to ensure that prerequisites (like prequalification or getting on a vendor list) are fulfilled within a timely manner.
- Ensure all team members represent the Bank in the best light.
Objectives – Performance Indicators
- Effective business development strategy, new sales strategies, sales pitches.
- Generate revenue for the bank
- Prospect new business, and potential clients
- Client retention and generation.
Required Educational / Experience
- Bachelor’s Degree//Mastersin Business Management, Marketing, Business or a related field, marketing strategy
- With at least 5– 9 years of Experience in related role.
- Required Behavioral Skills:
- Strong communication skills
- Ability to Build Client Relationships,
- Excellent innovative skills
- Good Writing and Public Speaking Skill,
- Leadership and People Management Skill,
- Detail-Orientated
- Organisational
Credit Officer
Job Brief
We are looking for a Credit Manager to oversee our company’s lending process, from evaluating clients’ creditworthiness to approving or rejecting loan requests. The Credit Officer’s responsibilities include
- Creating credit scoring models,
- Setting loan terms and determining interest rates
To be successful in this role, you should have a degree in Accounting or Finance along with experience processing loan applications. Previous banking experience is a plus.Ultimately, you will help us minimize bad debts and increase revenues from loans.
Responsibilities
- Research and evaluate clients’ creditworthiness
- Create credit scoring models to predict risks
- Credit administration and preparation of offer letters.
- Analysis, appraisal and preparation of Structured Finance agreements and other documents.
- Review of credit applications to ensure that all documents submitted by the client are complete.
- Asset inspection before approval is made.
- Assessment of the client’s balance sheet performance, cash flow and streams of income.
- Accounts reconciliation and recovery management.
- Approve or reject loan requests, based on credibility and potential revenues and losses
- Calculate and set interest rates
- Negotiate loan terms with clients
- Monitor payments
- Maintain records of loan applications
- Follow up with clients to manage debt settlements and loan renewals
- Ensure all lending procedures comply with regulations
- Develop, review and update our company’s credit policies
Requirements and skills
- BSc in Accounting, Economics, Banking and Finance or relevant field
- Proven work experience as a Credit Manager, Credit Analystor similar role
- Hands-on experience with accounting software
- Solid understanding of lending procedures
- Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel)
- Negotiation skills
Operations Manager
Job Description/ Responsibilities
The Operation’s Manager will
- Introduce and implement effective systems, policies, structures and resources to support the growth of the institution and ensure adherence to the same;
- Serve as the Operations Lead for Mainflow Limited core banking system implementation, aligning system configuration with operational processes and policies
- Develop and manage a team of well-trained, focused and motivated Banking Services staff;
- Manage centralized loan processing and account opening functions to ensure efficiency, quality and control over loan creation and completeness of Know Your Customer (KYC) / Anti-Money Laundering (AML) activities;
- Define and implement new policies and procedures for Banking Services in support of product development / refinement or upon introduction of new technologies and delivery channels;
- Analyze operational risks, procedures, work flow and controls on an ongoing basis for continual improvement of operational systems; Safeguard customer data and protect against fraud through management of authorization levels and access rights;
- Develop and maintain sufficient business continuity plans to ensure service delivery in the event of minor to major incidences & escalation of service exceptions as needed.
Qualification
- First Degree in Finance or any related discipline.
- ACA/ACCA.
- Minimum of 5 years’ experience Banking Operations and similar role(s) within the Microfinance Banking industry.
- Must possess CIBN Microfinance Professional Certifications (MPC)
- Must possess a thorough understanding of the principles and application of good corporate governance, business and operational risks and control processes and procedures.