Alert Microfinance Bank Job Recruitment 2022/2023 – This is to inform the general public that Alert Microfinance Bank is recruiting suitably qualified candidates to fill the vacant job positions in their company. Interested candidates should kindly follow the job application guidelines below to apply successfully.
Alert Microfinance bank is a leading financial service provider with core mandate of providing affordable, flexible financial and non-financial services to MSME, Private and Public Sectors.
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We are recruiting to fill the position below:
Job Title: Loan Officer
Location: Lagos Island, Lagos
Employment Type: Full-time
Job Summary
- Loan officers at Alert Microfinance Bank are responsible for the evaluation and processing of loans and act as liaison between customers and the organization while helping qualified applicants acquire loans in a timely manner.
Job Description
- Market loan products and process loan applications
- Interview loan applicants to determine financial eligibility and feasibility of repayment of loans
- Determine all applicable ratios and metrics and set up loan payment plans
- Complete loan contracts and counsel clients on policies and restrictions
- Opening loan applications Conducting loan analysis by visiting the business and household of clients
- Visiting the business /employer of guarantors and preparing a complete loan assessment according to the bank’s credit procedures
- Presenting loan proposals to the credit units and informing the client about the decision of the credit units
- Ensuring punctual repayments of acquired loans from clients, contacting and visiting all parties based on needs
- Ensuring high quality standards of the bank’s credit portfolio
- Ability to meet and exceed targets while actively working to increasing business portfolio and client’s base.
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Job Requirements
- Candidates must possess a minimum of a Bachelor’s Degree or its equivalent in Marketing or related field.
- 2+ years’ relevant work experience from a reputable Microfinance Bank.
- Sound Risk Management experience
- Good knowledge of Lagos Island and Mainland markets
- Ability to disburse SME and Microloans in large volumes without default
- Experienced in repayment tracking and loan collection without a day default
Competencies
- Detailed and target oriented
- Excellent team spirit and communications skills
- Excellent Human Relations and Inter-personal skills
- Goal oriented.
Job Title: Experienced SME Loan Marketer
Location: Lagos
Employment Type: Full-time
Job Summary
- Experienced SME Loan Marketers at Alert Microfinance Bank are responsible for the evaluation and processing of loans and act as liaison between customers and the organization while helping qualified applicants acquire huge loans in a timely manner.
Job Description
- Market loan products and process loan applications for SME Customers
- Interview loan applicants to determine financial eligibility and feasibility of repayment of loans
- Determine all applicable ratios and metrics and set up loan payment plans
- Complete loan contracts and counsel clients on policies and restrictions
- Opening loan applications Conducting loan analysis by visiting the business and household of clients
- Visiting the business /employer of guarantors and preparing a complete loan assessment according to the bank’s credit procedures
- Presenting loan proposals to the credit units and informing the client about the decision of the credit units
- Ensuring punctual repayments of acquired loans from clients, contacting and visiting all parties based on needs
- Ensuring high quality standards of the bank’s credit portfolio
- Ability to meet and exceed targets while actively working to increasing business portfolio and client’s base.
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Job Requirements
- Candidates must possess a minimum of a Bachelor’s Degree or its equivalent in Marketing or related field.
- 5+ years’ relevant work experience from a reputable Microfinance Bank.
- Sound Risk Management experience and can disburse/deliver a Min of 30million Naira Loan Monthly with good success rate and track records.
- Good knowledge of Lagos Island and Mainland markets
- Ability to disburse SME Loans in large volumes without default
- Experienced in repayment tracking and loan collection without a day default
Competencies
- Detailed and target oriented
- Excellent team spirit and communications skills
- Excellent Human Relations and Inter-personal skills
- Goal oriented.
Job Title: Corporate Loan Officer – Private Sector
Location: Lagos
Employment Type: Full-time
Job Summary
- Loan officers at Alert Microfinance Bank are responsible for the marketing, evaluation and processing of loans and act as liaison between customers and the organization while helping qualified applicants acquire loans in a timely manner.
Job Description
- Market loan products and process loan applications for employees in the Public Service Sector (Corporate – Private Sector).
- Interview loan applicants to determine financial eligibility and feasibility of repayment of loans
- Determine all applicable ratios and metrics and set up loan payment plans
- Complete loan contracts and counsel clients on policies and restrictions
- Opening loan applications Conducting loan analysis by visiting the business and household of clients
- Visiting the business /employer of guarantors and preparing a complete loan assessment according to the bank’s credit procedures
- Presenting loan proposals to the credit units and informing the client about the decision of the credit units
- Ensuring punctual repayments of acquired loans from clients, contacting and visiting all parties based on needs
- Ensuring high quality standards of the bank’s credit portfolio
- Ability to meet and exceed targets while actively working to increasing business portfolio and client’s base.
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Job Requirements
- Candidates must possess a minimum of a Bachelor’s Degree or its equivalent in Marketing or related field.
- 3+ years’ Microfinance Banking relevant work experience in marketing and disbursement of loans to salary earners.
- Sound Risk Management experience and knowledge of source deduction.
- Ability to disburse loans in large volumes without default to employees in the private sector (Private Companies Employees)
- Experienced in repayment tracking and loan collection without a day default
Competencies
- Detailed and target oriented
- Excellent team spirit and communications skills
- Excellent Human Relations and Inter-personal skills
- Goal oriented.
Job Title: Credit Risk Officer
Location: Lagos
Employment Type: Full-time
Job Responsibilities
- Carry out a risk assessment of all loan applications and recommend approval as applicable.
- Improve and embed a risk management culture within the Bank.
- Liaise with the Departmental head to send relevant reports to regulators i.e. CBN and others.
- Ensure the Bank remains compliant in line with local regulations and internal policy requirements.
- Conduct a risk profile exercise to ascertain the residual level of risk exposure in the Bank.
- Report all due repayments in the Bank’s Risk Assets.
- Performs first level review and evaluation on all retail requests to ensure all recommendations are made in line with the Bank’s risk acceptance criteria for specific retail loan product
- Confirms that all retail credit requests presented by the business offices through the bank’s workflow platforms have all required data completed and supporting documents are attached for scrutiny for an informed lending decision making.
- Conducts internal credit checks is done within the bank for any retail credit presented, while further providing due interpretation for the credit check reports to ascertain credit worthiness of the customer.
- Conduct detailed collateral analysis, paying due attention to collateral acceptability.
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Job Requirements
- Candidates must possess a minimum of a Bachelor’s Degree/HND qualification in Accounts, Finance, Economics, Business Administration, Statistics.
- 2+ years’ relevant work experience as a Credit Risk Officer in a Microfinance Bank
Competencies
- Customer relationship management skills.
- Ability to work with little or no supervision.
- Problem Solving, Critical reasoning, detail oriented.
- Excellent verbal, presentation and writing skills.
How to Apply
Interested and qualified candidates should send their CV to: hr@alertmfb.com.ng using “Loan Officer” as the subject of the email.
Note: Only qualified candidates will be shortlisted.
Application Closing Date
14th February, 2022.