Growth of the Group and Individual loan portfolio by recruitment of new clients whilst maintaining the quality of the portfolio, carrying out individual marketing and group- marketing by forming focus groups and assessing their capability to have access to loans. Monitoring, recovering and maintaining client relationships.

Key Result Areas:

Business Growth
To grow the bank business in terms of assets (loans) and liabilities (customer deposits), customer base and income through personal selling activities within existing customer portfolio and getting new ones within the Bank’s target markets
Recruit Individual and group loan clients to achieve loan disbursement and portfolio growth targets.
Assessment of potential group / Individual loan clients to make sure they meet the required standards for borrowing from OBUL.
Attend loan committees to review loan applications and approval
Maintain relationships by visiting groups and attending group meetings
Training clients about OBUL products, expectations from OBUL as well as terms and conditions.
Monitoring and managing portfolio
Monitor portfolio by tracking all clients, identifying any potential default cases and developing mitigants for them.
Ensure clients comply with the OBUL policies as well as terms and conditions attached to loans.
Maintain the PAR of one’s portfolio within the bank’s PAR quality standards
Reporting
Prepare weekly and monthly reports to the branch manager and discuss weekly performance with immediate supervisor
Building customer relationship
Maintain relationships by visiting clients and solving any customer related issues raised by them
Customer service, handling client inquiries and guiding them on how to apply for loans, use the bank’s payment channels
Recovery
Recovery of defaulted loans
Minimum Qualifications and Experience

Diploma from any recognized higher institution of learning with second class and above
Relevant professional qualifications in microfinance, banking, finance or marketing is an added advantage.
Relevant credit experience is an added advantage
Must possess a Credit pass in Maths and English at ‘O’ Level
Personal skills and competencies

Client relationship and social impact – fosters trust, ensuring fair treatment, and adhering to the Client Protection Principles to promote social and financial performance.
Responsiveness – promptly and efficiently responds to the needs of customers in
the low income segment of urban, semi urban and rural areas.

Adaptability – capable of navigating volatile environments, adjusts to new technologies, market shifts, and evolving client needs.
Transformational – motivates customers, giving them a sense of purpose to inspire change by showcasing how the bank’s products and services fundamentally improve customers’ lives.
Servanthood – Possesses a genuine desire to improve the lives of underserved clients in rural populations and respect for their dignity.
Ethical traits – Models transparent behaviour, integrity, honesty and avoids fraudulent practices in all correspondences.
Strong interpersonal skills for building community relationships
Good communication skills (Oral and written) and MUST be fluent in English and any local language.
Analytical thinking – focus on assessing borrower creditworthiness and managing risks in lending and portfolio management to drive institutional sustainability.
Active Collaboration – Demonstrated ability to work as a part of a team to produce novel ideas, enhance efficiency and improve service reputation.
Good computer skills e.g Microsoft Word, excel, email & Internet
Opportunity Bank is an equal opportunity employer. All qualified candidates are encouraged to apply, regardless of disability, gender, marital status, religion and ethnicity.