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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

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

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.