URGENT
VACANCY
Our
client a reputable and first class Microfinance Bank in Abuja has an opening
for the following positions:
If
you are interested and meet the requirement, drop Your Cover letter and CV at
the Following Address:
DIL
CONSULTING LIMITED
Plot
495, Obafemi Awolowo Road,
Vineegas Building, Near RCCG Desire of Nation,
Jabi,
Abuja.
Tel: 08138470184, (09)29202155,
08095929135
1. Head Of Operations:
Job Purpose
Job Purpose
- Independently assess the effectiveness of controls and determine the potential impact of any control failure and the corrective actions required.
- Highlight to management all concerns arising from failure of controls that could result in losses and/or reputational risks.
- Ensure that the reviews conducted have a corrective action follow up mechanism
- Ensure adherence to corporate policies and local policy as well as local and global regulatory environment.
- Participate in all aspects of assessments, in accordance with Internal Audit standards and/or regulatory statutes.
- Participate in training and developing other staff in audit, risk assessment techniques and accounting principles.
- Understand and accurately evaluate risks and controls as they relate to business objectives.
- Use available technology and automation tools to appropriately improve processes within the department and business in general.
- Develop an in-depth knowledge and understanding of the business and to acquire greater knowledge of the products and processes.
- Implement the Fraud Management program appropriate for the business in conjunction with BUFM and CSIS.
- Have over-sight on the functions on the Bank's Information Security officer (BISO). This role is responsible for the Business compliance to information security standards, information security criticality assessments, 3rd-party assessments, entitlements reviews, residual risk.
- Responsible for the control of execution of the Self-Assessment process, all Risk Assessment, Corrective action plans (CAP) follow-ups, Audit follow ups, ensure compliance with policies by country & legal vehicle, produce valuable matrix to allow management control all aspects of the Operations business.
Job Background/context
- Revenues: Ops control is supporting the business directly through controls, reconciliation and MCA coordination to eliminate all losses to the business
- Expenses: Direct expenses are incurred through carrying out of the independent reviews and controls
- Headcount: Responsible for optimal utilization of approved headcount to meet effective controls and any required reporting to senior management.
- Assets: Control over the assets of the bank through reviewing certain balance sheet accounts
Key Responsibilities
- Planning the audit reviews by selecting the appropriate audit approach, methodology and preparing the test plan that best suits the product and process.
- Evaluate the adequacy and effectiveness of internal control by Analysing/flowcharting the different processes in order to evaluate controls, identify inefficient processes.
- Performing the actual audit tests, selecting sample, performing analytical reviews, and checking adherence to corporate policies.
- Preparing audit reports for senior management, discussing issues with relevant business unit heads.
- Influencing the design and improvement of processes to ensure that appropriate controls exist to manage risks
- efficiently.
- Responsible for communicating to upper management issues that surface and unresolved issues.
- Co-ordinating the Operations and Technology self-assessment (MCAs) and DCFCs processes for the bank.
- Co-ordinate the day-to-day functions of other employees in the Unit and to up-date the Proof-Charts.
- Assist the Fraud Manager on handling, investigating and reporting of fraud incidents and attempts.
- Ensure that all performance indicators/KRIs for management from Operations Control are availed as and when required.
- Co-ordinate and undertake training of all new staff on role of Operations Control and basic Business expectation from the staff. Assign work to other staff in the unit.
- Undertake consolidation of functions (or Outsourcing) that would otherwise lead to inefficiency when done departmentally for instance Deviation approvals and bank wide departmental designations.
- Any other function/duty or responsibility that may be assigned from time to time as deemed appropriate by the business.
Education
BSC/HND in Accouniting, banking,or equivalent related undergraduate degree
ACA/ACCA certification
Experience
4 years’ work experience in banking
2. Marketing Team lead:
Detailed
Job Description:
Reporting to the Managing Director/Chief Executive of the Company, the successful candidate will lead the sales and marketing function and be responsible for defining and reviewing the scope of sales and marketing activities,
Responsibilities
Sales Activity
Reporting to the Managing Director/Chief Executive of the Company, the successful candidate will lead the sales and marketing function and be responsible for defining and reviewing the scope of sales and marketing activities,
Responsibilities
Sales Activity
- Define, propose, and lead the execution of the sales and marketing strategy.
- Review, adapt and amend strategy according to market challenges and business profitability.
- Identify target clients and lead the selling process.
- Elaborate action plan in order to enhance competiveness, in terms of organization, service, quality, and pricing.
- Manage the order activity, monitor and improve the related performance.
- Build strong external and internal business relationships and network with key players.
- Work with operations and the various support departments to provide appropriate solutions to customers.
Sales
and Marketing Team Management
- Manage the sales and marketing team to ensure the quantitative and qualitative targets are met.
- Measure the performance of the sales and marketing team through appropriate metrics.
- Identify sales performance gaps and put corrective actions in place.
- Train the sales and marketing team to improve their knowledge and performance.
- Market Intelligence Carry out market surveys with the help of sales and marketing team.
- Identify and communicate market changes, key competitor's strategies and industry trends to regional and corporate teams.
- Analyze the market's attractiveness and competitive situation.
- Analyze strengths and weaknesses as compared to other competitors.
- Provide reliable statistics, analysis and action plans to reach market targets.
Accounts
Management
- Monitor and report profitability analysis on accounts.
- Monitor customer's satisfaction issues.
- Attend the KPl's review with the key accounts.
- Provide monthly reporting within the agreed framework.
Qualification
and Experience
- First degree in banking, marketing or or related field, with minimum 3-5 years of experience in the Financial Industry.
- Must have a deep understanding in building a brand and developing brand loyalty.
- Professional certifications in sales, marketing and customer relations.
- Must have a proven track record in a business development function in the Finance industry.
- Already in relation with key market stakeholders, and have the ability to translate operational concepts into business solutions.
- In-depth knowledge of the local environment and culture in which the company currently operates.
- Well organized, possesses strong business acumen, excellent communication skills as well as leadership abilities.
- Resourceful and flexible, with good interpersonal skills that will enable adaptation in complex, challenging, cultural and social contexts.
- Excellent command of written and spoken English.
3. Loan monitoring/ recovery officer officer: The Loan Monitoring/ Recovery Officer will be responsible for the efficient follow-up and recovery of outstanding repayments, interest and penalties on delinquent loans and to give advices and searches on documentations, registering of affidavits and other documents.
•Key
performance measures
• Recoveries metrics as agreed in KRAs.
• Collections rate on NPL book as agreed in KRAs.
NPL not to exceed 10% of total book.
• Accurate capture and follow up of payment plans.
• Monthly stock checks.
• Monthly reporting on all recovery activities (in-house & outsourced).
• Incoming correspondence actioned within 48 hours.
• Annual review of closed files.
• Recoveries metrics as agreed in KRAs.
• Collections rate on NPL book as agreed in KRAs.
NPL not to exceed 10% of total book.
• Accurate capture and follow up of payment plans.
• Monthly stock checks.
• Monthly reporting on all recovery activities (in-house & outsourced).
• Incoming correspondence actioned within 48 hours.
• Annual review of closed files.
Essential
Requirements
Capacity
to communicate efficiently both orally and in writing
A
very analytical and tactical mind
Capacity
to investigate effectively with clients and guarantors
Capacity
to obtain information from external sources.
Fluent
in English and Hausa
Physically
fit.
Willingness
to travel around branches.
Other
Requirements
A
minimum of HND in any discipline.
A
minimum of 1 year working experience in a similar position.
A
minimum of 1 year working experience in a microfinance or commercial
bank.
A
valid driver’s license and ability to drive will be an added advantage.
Practical
knowledge of micro/small business and market environment will be an added
advantage.
4.
Credit processing/ loan booking officer
•
Review conditions precedent checklist to approve for draw down of
all Personal Banking facilities once satisfied that all terms and conditions of
sanction/covenants have been met and all required collateral have been obtained
and are in legal order
• Ensure the Covenant tracker is updated with all covenants as stated on the sanction document by the CEM before signing off for disbursement.
• Ensure proper follow-up on deferrals items to ensure same are regularized within the stipulated time frame and escalate deviations to Team Lead BB CRM for inclusion in the watch-list report.
• Authorize disbursement of all Personal Banking deals on the Core Banking software.
• Ensure CBN CRMS reporting on all customers with a cumulative exposure of N1 million
• Ensure PAS take-up of all UPLs, VAF and Home loans deal
• Ensure that Credit files are kept in perfect order in line with the CBN’s basic Credit Files requirement.
• Ensure take up and actioning of issues raised on Remedy with respect to personal loans.
• Ensure unverified record exception report is spooled on Cognos daily and loan repayment exception report spooled weekly.
• Responding to queries and resolving issues pertaining to limits loaded on both the Core Banking software and HP&L
• Ensure the Covenant tracker is updated with all covenants as stated on the sanction document by the CEM before signing off for disbursement.
• Ensure proper follow-up on deferrals items to ensure same are regularized within the stipulated time frame and escalate deviations to Team Lead BB CRM for inclusion in the watch-list report.
• Authorize disbursement of all Personal Banking deals on the Core Banking software.
• Ensure CBN CRMS reporting on all customers with a cumulative exposure of N1 million
• Ensure PAS take-up of all UPLs, VAF and Home loans deal
• Ensure that Credit files are kept in perfect order in line with the CBN’s basic Credit Files requirement.
• Ensure take up and actioning of issues raised on Remedy with respect to personal loans.
• Ensure unverified record exception report is spooled on Cognos daily and loan repayment exception report spooled weekly.
• Responding to queries and resolving issues pertaining to limits loaded on both the Core Banking software and HP&L
.
Ensure that accounts identified as problematic are placed on the watch list and
re-risk graded to reflect their current irregular status.
•
Ensure that covenants and approval conditions for facilities are
recorded, recorded and followed up effectively.
• Ensure call-over of loading tickets used in booking previous day transactions is done and ready before 2.00 pm the following day.
• Liaise with approved Estate Surveyors and ensure that turnaround time on Property Valuation does not exceed three days.
• Ensure reconciliation of the Valuation SRA account is ready by the third working day of a new month
• Manage and ensure the proper monitoring and reconciliation of the following GLs:
o VAF receivables account 990908NGN3002000 /839705921 reconciliation
o Initial deposit account, PB, BB & CIB fee accounts, Early Rebate Penalty and Late Charges account reconciliation
o Insurance Suspense Account reconciliation
o Documents Awaiting Suspense reconciliation
o Extensions Suspense reconciliation
o Debit Order Suspense reconciliation
o Maturity Deals Report auctioning
o Unearned Income account reconciliation
o Earned Income account reconciliation
o VAF Book Balance (Segmented & Consolidated) reconciliation
o VAF Income Account (Segmented & Consolidated) reconciliation
• Ensure reconciliation of the LC Commitment GL is ready by the 3rd working day of a new month
• Identify irregular accounts and liaise with respective branches to ensure that remedial action is taken to regularize the exposures or escalate them to respective evaluation Manager or Manager, Credit Risk Management who will escalate them further to higher authority
• Maintain a diary system to ensure timely follow up and ensure that corrective action is taken and the account rectified as indicated.
• Ensure that irregular accounts are downgraded as per policy and facilitate hand over to R & R post 30 days in arrears.
• Ensure call-over of loading tickets used in booking previous day transactions is done and ready before 2.00 pm the following day.
• Liaise with approved Estate Surveyors and ensure that turnaround time on Property Valuation does not exceed three days.
• Ensure reconciliation of the Valuation SRA account is ready by the third working day of a new month
• Manage and ensure the proper monitoring and reconciliation of the following GLs:
o VAF receivables account 990908NGN3002000 /839705921 reconciliation
o Initial deposit account, PB, BB & CIB fee accounts, Early Rebate Penalty and Late Charges account reconciliation
o Insurance Suspense Account reconciliation
o Documents Awaiting Suspense reconciliation
o Extensions Suspense reconciliation
o Debit Order Suspense reconciliation
o Maturity Deals Report auctioning
o Unearned Income account reconciliation
o Earned Income account reconciliation
o VAF Book Balance (Segmented & Consolidated) reconciliation
o VAF Income Account (Segmented & Consolidated) reconciliation
• Ensure reconciliation of the LC Commitment GL is ready by the 3rd working day of a new month
• Identify irregular accounts and liaise with respective branches to ensure that remedial action is taken to regularize the exposures or escalate them to respective evaluation Manager or Manager, Credit Risk Management who will escalate them further to higher authority
• Maintain a diary system to ensure timely follow up and ensure that corrective action is taken and the account rectified as indicated.
• Ensure that irregular accounts are downgraded as per policy and facilitate hand over to R & R post 30 days in arrears.
•
Communicate with Branch Manager and HOP to ensure regularization of
accounts.
•
Ensure that accounts identified as problematic are placed on the watch
list.
•
Monthly reporting of accounts to be placed on Watch-list to Management.
• Updating Covenant tracker – Monthly for all accounts.
• Any other responsibility assigned by the Team Leader.
Key performance measures
Risk Management
• Updating Covenant tracker – Monthly for all accounts.
• Any other responsibility assigned by the Team Leader.
Key performance measures
Risk Management
•
Maintain a high quality-lending book, through the judicious and effective
management thereof.
Customer service / performance measurement
Add value to PBB Banking by delivering a prompt, efficient and professional risk management service.
Key performance measures
Risk Management
Customer service / performance measurement
Add value to PBB Banking by delivering a prompt, efficient and professional risk management service.
Key performance measures
Risk Management
•
Maintain a high quality-lending book, through the judicious and effective management
thereof.
Customer service / performance measurement
Add value to PBB Banking by delivering a prompt, efficient and professional risk management service.
Key Dimensions of the job
Daily
Customer service / performance measurement
Add value to PBB Banking by delivering a prompt, efficient and professional risk management service.
Key Dimensions of the job
Daily
•
Daily capturing and monitoring of covenants
• Ensuring proper actioning of credit reports.
• Ensuring the proper monitoring of excesses
• Updating the diary system to which facilitates appropriate follow-ups.
• Ensuring proper actioning of credit reports.
• Ensuring the proper monitoring of excesses
• Updating the diary system to which facilitates appropriate follow-ups.
Weekly
•
Ensuring weekly reports are treated accordingly.
Monthly
•
Timely submission of reports/returns to Finance and SAC
• Timely submission of Damage control report.
• Follow up on outstanding audit issues
• Timely submission of Damage control report.
• Follow up on outstanding audit issues
•
To carry out credit procedures, maintain a tight control over all aspects of
advance administration, with the primary objective to contain credit risk
within acceptable parameters by ensuring accurate and timely booking of all
Business Banking deals while ensuring compliance with all conditions as
stipulated in the sanction.
• Ensure consistent service delivery, meeting the needs of both existing and new business clients
• Ensure consistent service delivery, meeting the needs of both existing and new business clients
5.
Customer Service Officer
Details
CORPER of maximum of 1 year post qualification experience
CORPER of maximum of 1 year post qualification experience
- Experience in customer service role in a reputable organisation
- To provide customer service support to all clients and visitors of the organisation
- Receive and direct all Incoming calls of the organisation;
- Provide first hand support to all clients inquiries (In person or via telephone)
- Receive and direct as appropriate all correspondence of the organisation;
- Coordinate and supervise the prompt delivery of all outgoing correspondence of the organisation;
- Manage the official Info email of the organisation, by providing prompt acknowledgement of email to the client and directing the email to the appropriate department for follow up;
- Coordinate and manage schedule of daily visitors appointments in the organisation;
- Maintain a clean, professional and conducive atmosphere in the reception area;
- Control inventory relevant to the reception area;
- Monitor visitor access and exit through the access control and visitors register;
- Monitor staff entry and exit into the office building through the staff attendance register;
- Maintain security awareness within the reception area and report immediately any suspicious activity/persons to the appropriate department;
- Provide up to date information on the organisation to the IT consultant, to be updated on the corporate website;
- Periodic review of the corporate website contents to ensure that information contained are not obsolete;
- Basic understanding of standard software packages (Microsoft Office Tools) to carry out job responsibilities
- Must possess basic understanding of systems terminology and concepts related to hardware, software and network configuration;
- Must possess advanced knowledge of administrative filing methodologies (electronic and manual)
- Oral & written Communication skills
- High Interpersonal skill.
- Sound analytical skill.
- Commitment to completion of task.
- Accountability & high level of Integrity.
- Team player
- Self-directed
- Flexible working hours
6. Financial Control
Officer
Key Responsibilities
Key Responsibilities
General
Business
- Direct and coordinate all Accounting/Finance functions and activities of the company in order to ensure the smooth and efficient running of the Department
- Ensure compliance with statutory authority and audit requirements
- Maintain integrity of Accounting system (software), ensuring it remains effective and operational at all times
- Ensure all taxation and legislative requirements are complied with at all times
- On a monthly basis conduct balance sheet reconciliation for review by Directors
- Where inconsistencies in reconciliations emerge, take remedial actions or refer to relevant personnel as appropriate
- Update “chart of accounts” monthly to reflect account management activities
- Provide assistance and direction to the business entities regarding financial matters
Finance
Administration
- Ensure the monthly reconciliation of all ledgers and sub-ledgers
- Ensure daily on-line reconciliation of bank accounts across the various Banks
- Analyse weekly business performance/results on an outlet by outlet basis, providing feedback to Senior Management
- Review asset position comparing figures with financials, advice management on optimum stock levels at branch and warehouse
- Track and monitor daily revenue for accuracy, verifying it against Bank takings
- Suggest and where approved, implement cost management strategies
- Ensure monthly accruals are adjusted to meet demands of the business
- On a monthly basis monitor and track debtors to ensure they are consistent with contract conditions
- In conjunction with Directors, source and identify finance providers at competitive rates
- In conjunction with IT Systems Administrator, coordinate and implement upgrades to Peachtree, providing necessary information/training to direct reports
Budgeting/Forecasting
and Reporting
- Co-ordinate and prepare business plan financial forecasts, annual/monthly budgets, including operating and capital expenditure budgets
- Ensure the accurate preparation/reporting of monthly/weekly financial results in strict accordance with Company deadlines
- Where required, provide assistance/direction to managers with regards to the preparation of budgets
- Ensure approved capital expenditure budgets are adhered to at all times
- Collate all relevant information to produce end of year statutory accounts for the company
- Ensure that end of year statutory accounts report is finalized by specified date and presented to Directors for review
- On an annual basis prepare “budget reports” for review by Directors.
- On a monthly basis track and review expenditure against set budgets providing Directors with a Budget Inconsistencies Report
Asset
Management
- Ensure all company assets are monitored and accurately accounted for
- Ensure the fixed assets register is managed and maintained with strict adherence to fixed assets register procedure
- On a monthly basis ensure the general ledger is reconciled to the assets register
Key
Requirements
- Bachelor's degree in Accounting or Finance related discipline
- ACA/ACCA is a must.
- FCA/FCCA is an added advantage
- Minimum 3 years experience in a structured organization
- 5 years experience in Banking or Project Finance
- Experience in a fast growing company is an advantage
- Experience with ERP Software tools
- Impressive Excel skills
- Proven presentation skills to both finance and non-finance individuals
- Passion for working with the business to achieve key goals
- A critical thinker with high attention to detail
- Strong commercial acumen
- Demonstrated process improvement
- Extraordinary interpersonal and communication skills
Job
Description
- Prepares asset, liability, and capital account entries by compiling and analyzing account information
- Documents financial transactions by entering account information
- Recommends financial actions by analyzing accounting options
- Summarizes current financial status by collecting information; preparing balance sheet, profit and loss statement, and other reports
- Substantiates financial transactions by auditing documents
- Maintains accounting controls by preparing and recommending policies and procedures
- Guides accounting clerical staff by coordinating activities and answering questions
- Reconciles financial discrepancies by collecting and analyzing account information
- Secures financial information by completing data base backups
- Maintains financial security by following internal controls
- Prepares payments by verifying documentation, and requesting disbursements
- Answers accounting procedure questions by researching and interpreting accounting policy and regulations
- Complies with federal, state, and local financial legal requirements by studying existing and new legislation, enforcing adherence to requirements, and advising management on needed actions
- Prepares special financial reports by collecting, analyzing, and summarizing account information and trends
- Maintains customer confidence and protects operations by keeping financial information confidential
- Maintains professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; participating in professional societies
- Accomplishes the result by performing the duty
- Contributes to team effort by accomplishing related results as needed
7. HR Assistant
- Read and analyse incoming memos, submissions, and reports in order to determine their significance and plan their distribution
- Open, sort, and distribute incoming correspondence, including faxes and email
- Conduct research, compile data, and prepare reports for consideration and presentation by the management team
- File and retrieve corporate documents, records, and reports
- Greet visitors and determine whether they should be given access to specific individuals
- Prepare responses to correspondence containing routine inquiries
- Perform general office duties such as ordering supplies, maintaining records, management systems, and performing basic book keeping work
- Prepare agendas and make arrangements for meetings
- Make travel arrangements for the Managing Partner and staff
- Attend, record and distribute minutes of meetings
- Coordinate and direct office services, such as records and budget preparation, personnel, and housekeeping, in order to aid executives
- Manage and maintain executives' schedules
- Prepare invoices, reports, memos, letters, financial statements and other documents, using word processing, spread sheet, database, and/or presentation software
- Set up and oversee administrative policies and procedures for offices and/or organizations
- Manage multiple projects as assigned by the MD
- Ensure statutory requirements are identified and met
- Maintain and develop systems, procedures and records in line with the organization’s
- policies and objectives
- Coordinates calendar, travel, meeting, and schedule arrangements for the MD, business partners, and customers
- Works closely with other team members to ensure the MD’s preparation for meetings, presentations or other engagements
- Provides a bridge for smooth communication between the MD's office and internal departments; demonstrating leadership to maintain credibility, trust and support with senior management staff
- Administrative and functional activities include but are not limited to:
- Taking phone calls
- Maintaining personal and business files
- record keeping for multiple entities
- Supporting marketing and strategic planning activities
- Note taking and creating documentation
- Filing, storage and retrieval of business and personal activities
- Handles financial and accounting matters for the MD with confidentiality
- Prepares and sends business and private correspondence
- Coordinates operations of MD’s office including:
- Document preparation & control
- Internal communications
- General office maintenance to improve costs and effectiveness
- Carries out responsibilities with professionalism, respect for others, in accordance with the organization’s policies and applicable laws
- Any other duties as assigned.
- Key Deliverables: Efficient and smooth operation of MD’s office
- A CORPER
8. Driver
Responsibilities
- To move Company’s employees around for official matters in Abuja and its environs
- Take proper care of the Company’s car, regularly
- Ensure, prompt, maintenance and servicing of the car
- Run Official errands in line with Company’s policy
Qualification
and Requirements
- Must reside in Abuja, conversant with the City and Northern states
- Good communication skills
- Minimum of SSCE
- At least 5 years’ work experience
- Provide at least 2 Guarantors who are Civil Servants in a Federal Ministry or Government Parastatal
9. Marketing officer
The
candidate is responsible for generating new core deposit business for the bank.
The emphasis is to establish Deposit mobilization and Management relationships
with individuals, businesses, and non-profit agencies.In addition to generating
core deposit business, the employee shall possess the ability to recognize
cross-selling opportunities to Commercial Lending, Financial Services
management and Wealth Management in an attempt to create full service banking
relationships.
ESSENTIAL KNOWLEDGE / SKILLS
ESSENTIAL KNOWLEDGE / SKILLS
- Degree or Higher National Diploma in any discipline
- Atleast 2 year marketing experience in a financial sector
- Good relationship and communication skills with strong team spirit
- Strong analytical skills
- Good computer skills
- Real motivation to work and grow in a performance based environment
- Taste for fieldwork
ADDITIONAL
KNOWLEDGE / SKILLS REQUIRED
- Practical knowledge of micro / small / medium businesses
- Excellent sales and marketing skills
- Good relationship management
- Good communication and writing skills
- Good computer skills
Knowledge of the local languages, especially hausa
