???????Main Responsibilities

Pre-loan disbursement:

• Promote/Market Baobab’s products to prospective clients
• Visit and evaluate potential client businesses
• Visit client’s personal house
• Visit co-debtor, guarantor’s house and businesses
• Analyse financial data of client’s businesses
• Analysis of quantitative and qualitative data of client businesses and households
• Prepare loan documents for credit committee
• Present loan files to credit committee
• Enter Loan files in the MIS

Post-Loan Disbursement:

• Conduct monitoring visits to business and households
• Follow- up on loan repayment
• Manage loan recovery from active and write-off client until the last kobo
• Assess the impact of loan before renewal

Portfolio Management Guide:

• Portfolio transfer and other clearance is compulsory for all exiting portfolio manager
• Portfolio handover will include description of each debtor and co-debtor’s business and residential address.
• Collateral and location of collateral
• Guarantor and guarantor’s business address
• It will be regarded as a credit fraud if portfolios are NOT properly transferred upon exit from Baobab Microfinance Bank Limited. This will be reported to relevant authorities including CBN, NDIC and the Nigeria police for prosecution
• Portfolio Manager has the responsibility to provide information about the bank’s client, co debtor or guarantor and their details even after exit from the system, if it is required.
• Evaluating the performance of investment portfolios and ensuring compliance with standards provided by regulatory organizations, including conformance with investor disclosures, privacy laws, anti-money laundering requirements, and anti-fraud measures.

Requirements

• Minimum of B.Sc / HND
• Basic Knowledge in Accounting, Finance and Mathematics
• Previous work Experience or training In sales (Preferred)

Skills:

• Fluent in English (Written/spoken)
• Detail Oriented
• Target oriented
• Articulate and well-spoken
• High level of integrity
• Dynamic and motivated individuals who like to work outdoors.