State Loan Operator at Mutual Benefits Microfinance Bank Limited

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State Loan Operator at Mutual Benefits Microfinance Bank Limited

Mutual Benefits Microfinance Bank Limited is a leading Microfinance bank with its corporate head office at 10 Apapa Road, Oyingbo, Ebute-metta.

From inception the bank has tirelessly set the pace for other Microfinance financial institutions to follow; in terms of service quality, product functionality and exceptional customer service. The bank is strategically positioned to offer financial services support to small and micro-enterprises in Nigeria. Since commencement of its operation, the bank has grown from its humble beginning to a mid size microfinance bank making it among the best microfinance bank in Nigeria however the aim of the bank is to be among the best in Africa.

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We are recruiting highly experienced professional to fill the position below:

Job Title: State Loan Operator

Location: Oyingbo, Lagos
Job Type: Full-time

Job Objective

  • The Role of a Loan Operator will report to the review officers of the Public Sector of the company. His/her major responsibility is to book all the company’s retail loan product and the asset products in his/her State.

Job Description
The specific and general functions of the State Loan Operator are as stated below:

Marketing and Sales Management:

  • Determining the risk level of every application.
  • Authorizing an initiated application.
  • Follow up on authorized transactions till disbursement stage.
  • Ensuring customer(s) satisfaction at all time.
  • Deciding on the loan amount based on the Debt-To-Income-Ratio.
  • Managing of turn-around-time (TAT) on any requests.
  • Attending to customer(s) request, enquiries and complaints.
  • Verifying the authenticity of customer(s) documents.
  • Initiating loan for customer(s) within 12 hours.
  • Following up the initiated loans till disbursement stage within 12 hours.
  • Ensuring customer(s) satisfactory.
  • Reporting of daily transactions to the appropriate departments.

Budget & performance Management:

  • To ensure all loans with complete documentations are treated within the stipulated TAT at the State Level.
  • Controls expenses to meet the state budget.
  • Provides timely feedback (daily, weekly, monthly and Quarterly reports) to the Head of Credit when required.

Risk Management and Capacity Development:

  • Ensure the State NPL and PDOs are within set thresholds and always below company’s average.
  • Ensures adherence to all company policies, procedures and business ethics codes are communicated within the team in the states.

Relationship Management:

  • Ensure that He/she meet and/or exceed their monthly target.
  • Maintains contact with key decision makers within the state to ensure high levels of client satisfaction and business continuity.
  • Manage internal relationship within the state.

Leadership and Capacity Building:

  • Delegate authority and responsibility with accountability and follow up.
  • Set examples for others in areas of personal character, commitment, organizational and selling skills and work habit.

Qualifications
The minimum entry requirement for this role is:

  • A good HND / Bachelor’s degree in Social Science field, professional qualification in a related field will be an added advantage.
  • Minimum of 2 years of experience in sales or similar roles.

Skill, Knowledge and Abilities:

  • Excellent selling and interpersonal skills
  • Ability to work independently and within a team
  • Proven leadership skill.
  • Must have strong communication and relationship management skills.
  • Must be able to prioritize responsibilities.
  • Must demonstrate high level of initiative, creativity and ability to think outside the box.
  • Strong understanding of Public Sector Business.
  • Strong understanding of customer and market dynamics and requirements.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

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