Job Description
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Key Responsibilities
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% of Time
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Performance tasks
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1. Commercial enablement
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20%
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- Ensures that the products assigned are aligned with company objectives and strategy and provide a competitive edge.
- Leads sales efforts to achieve disbursement targets.
- Engages and manages key stakeholders such as traders’ associations’ leaders, market queens and employers to win their support for the company’s commercial efforts.
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2. Disbursement and portfolio growth
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40%
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- Reviews and approves the sales plans of assigned credit officers and relationship managers on ongoing basis.
- Proactively manages pipeline conversion with the goal of achieving agreed disbursement targets.
- Reviews loan applications for completeness and accuracy and liaises with Risk for timely approval of loans.
- Ensures that disbursement and portfolio growth targets are consistently achieved.
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3. Asset quality
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30%
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- Ensures that loan underwriting meets the standards set.
- Ensures full compliance with loan monitoring portfolio management procedures.
- Responsible for attainment of portfolio quality targets for the assigned book.
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Required Skills or Experience
Education and Experience
- At least 6 years’ experience in SME lending institution, bank or development institution, 3 of which should be in supervisory or managerial capacity.
- Bachelor’s degree in business management, commerce, business administration or related field
- Practical experience in managing and supervising microfinance credit operations gained from a similar or a related banking or financial institution.
- Practical experience in setting up and implementation of credit and risk management policies, practices, procedures and guidelines.
- Knowledge and experience in lending (Group/individual), credit and risk management, client screening, collateral, product design, loan approval processes, repayment terms and incentives, delinquency and default management.
- Knowledge of the micro finance and banking industry including micro and macro environmental factors and trends, micro finance products and poverty eradication strategies.
- Understands the trends and scope of credit methodology in the microfinance and banking industry, and its impact on the company’s activities.
Required Skills
- Exceptional oral and written communication skills with the ability to communicate clearly and persuasively, interpret documents, understand procedures, write reports and correspondence; speak clearly to third parties and employees.
- Ability to consolidate and prepare credit and risk statutory reports;
- Ability to set, monitor, and assess achievements against performance targets and quality standards (portfolio quality, profitability, product performance, risk management);
- Excellent organization, performance management, administration, and time management skills;
- Ability to handle difficult people and tense situations with diplomacy and tact;
- Ability to organise and motivate others, who in many cases may be in a more senior position;
- Strong team building skill and experience with the ability to enthuse, inspire, develop and motivate employees;
- Ability to supervise, train and foster the development of a Team, providing feedback, support and encouragement;
- Strong analytical, influencing, and negotiation skills;
- Assertive and has initiative and personal drive; and
- Intermediate skills in personal computer operation
- Proficiency in Microfinance MIS skills.
How To Apply
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