State Loan Operator at Mutual Benefits Microfinance Bank Limited » Voice of Nigeria

• 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.