Job Vacancies at Personal Trust Microfinance Bank

Personal Trust is a Microfinance Bank in Lagos and a subsidiary of First Ally Capital Limited (FACL). Formerly known as Personal Trust Savings and Loans, the Bank was registered in 1993 and operated as a Mortgage Bank until its conversion to a Microfinance Bank in 2014. Personal Trust has a branch network at strategic locations in Lagos State and provides banking services to individuals, micro, Small and medium enterprises (MSME).

We are recruiting to fill the following positions below:

1.) Head, Internal Audit and Compliance

Job Location: Lagos Mainland, Lagos
Employment Type: Full-time

Job Summary


  • The Head of Internal Audit & Compliance is responsible for the development, management and evaluation of internal control systems in the Bank.
  • The job holder develops and implements the annual internal audit program and ensures that the audit objectives are met.
  • The job holder provides reasonable assurance about the effectiveness and strength of internal controls.

Duties and Responsibilities

  • Develops an annual risk-based internal audit plan and oversees the implementation of the approved plan
  • Ensures methodical documentation of work plans, testing results, conclusions, and recommendations, and ensures follow-up on findings and corrective actions.
  • Provide technical assistance with investigations and special audits, and provide subject-matter expertise as needed.
  • Remains current on audit regulatory oversight trends and develops a risk-based approach incorporated into the annual audit plan.
  • Performs regular bank-wide risk assessment to identify significant risks or exposure related to internal controls or compliance with regulatory requirements, efficiency of operations, and accuracy of financial reporting.
  • Provides feedback and recommendations on business risks and improves operational efficiencies and processes where appropriate.
  • Directs the work of external auditors to ensure the audit work remains within the prescribed guidelines.
  • Coordinates and assists with the preparation of Audit Committee materials and participates in audit committee meetings
  • Lead the setup of the enterprise risk assessment for the bank and develop a risk log
  • Conduct follow-up reviews of financial, operational, or regulatory compliance deficiencies noted during audits.
  • Implements the anti-fraud campaign and assesses compliance
  • Investigates and reports to the Audit Committee on activities reported through the Hotline/Whistleblower processes and assists in investigations.
  • Initiates policy and process reviews, including ensuring they are up-to-date with all legislations and best practices
  • Using problem-solving and critical thinking skills to quickly identify internal control deficiencies, evaluate their risk implications, and draw the appropriate conclusions
  • Prepares monthly regulatory renditions and returns
  • Flexibility to carry out any other task as requested by Management

Qualifications

  • HND / B.Sc. in IT, Information Systems, Mathematics, Accounting, Banking and Finance, or a related field
  • Evidence of completion or exemption from NYSC
  • Evidence of ICAN certification is an added advantage
  • Evidence of completion of the Microfinance Certification program

Experience:

  • A minimum of five (5) years of experience in Internal Audit in a Microfinance Bank, financial institution or audit firm
  • Prior managerial experience in a similar role or capacity
  • In-depth knowledge of Internal control framework for the Microfinance Industry

Skills:

  • Strategy planning and implementation
  • Organization and time management abilities
  • Leadership, team management and mentoring
  • Outstanding communication and people skills
  • Extensive knowledge of all regulatory policies and procedures
  • A logical approach to identifying and evaluating issues and problem-solving
  • Meticulous attention to detail and accuracy
  • Ability to multi-task and meet tight deadlines
  • Proficient writing and delivery of presentations and documentation
  • Risk Management techniques
  • Proficient writing and delivery of presentations and documentation
  • Ability to interact with senior management and stakeholders, including regulators
  • Proficient in the use of MS Office Suite
  • Unquestioned personal integrity with strong ethics and values.

Application Closing Date: 14th March, 2024.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using "Head, Internal Audit & Compliance" as the subject of the mail.

 

 

2.) Marketer

Job Location: Lagos Mainland, Lagos
Employment Type: Full-time

Job Summary

  • A Marketer is responsible for prospecting, marketing, business development, and income generation in line with the key performance indicators.
  • The Marketer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.

Duties and Responsibilities

  • Achieve growth within the key performance indicators: liability and risk asset generation, account opening, income generation, and e-banking product offerings.
  • Evaluate the creditworthiness of customers by processing loan applications and documentation.
  • Monitors active loans and enforces collection and recoveries.
  • Ensures the achievement of all budget parameters.
  • Develop referral networks and cross-sell products and services.
  • Executes marketing strategies and develops marketing campaigns.
  • Ensures compliance with all internal policies and regulatory guidelines.
  • Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
  • Actively seek out new sales opportunities through cold calling, networking, and referrals.
  • Expedites the resolution of complaints to maximize satisfaction and boost the customer service experience.
  • Achieve a healthy portfolio and deposit mix.
  • Monitors competition by gathering current marketplace information on pricing, products, etc.
  • Recommends changes in products, services, and policies by evaluating results and competitive developments.
  • Identify potential loan markets and develop preferred networks.
  • Perform any other duties as may be assigned by Management.

Qualifications

  • HND / B.Sc. in Social Science or any other related course
  • Evidence of completion or exemption from NYSC.

Experience:

  • 3 - 10 years of work experience
  • Previous experience in a marketing role at a Microfinance Bank or Financial Organization is an advantage.

Skills:

  • Demonstrated ability to communicate, present, and influence credibly and effectively at all societal levels.
  • Proven ability to drive the sales process.
  • Strong business sense and industry expertise.
  • Basic understanding of sales principles and customer service practices.
  • Ability to work in a team
  • Strong planning, organizational, and time management abilities
  • Friendly, helpful, confident, and engaging personality.
  • Excellent communication and interpersonal skills.
  • Ability to work in a goal-oriented environment.
  • Proficient in the use of MS Office suite.

Application Closing Date: 14th March, 2024.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Position as the subject of the email.

 

3.) Relationship Officer

Job Location: Lagos Mainland, Lagos
Employment Type: Full-time

Job Summary

  • A Relationship Officer is responsible for prospecting, marketing, business development, and income generation in line with the key performance indicators.
  • The Relationship Officer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.

Duties and Responsibilities

  • Achieve growth within the key performance indicators: liability and risk asset generation, account opening, income generation, and e-banking product offerings.
  • Evaluate the creditworthiness of customers by processing loan applications and documentation.
  • Monitors active loans and enforces collection and recoveries.
  • Ensures the achievement of all budget parameters.
  • Develop referral networks and cross-sell products and services.
  • Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
  • Actively seek out new sales opportunities through cold calling, networking, and referrals.
  • Monitors competition by gathering current marketplace information on pricing, products, etc.
  • Recommends changes in products, services, and policies by evaluating results and competitive developments.
  • Expedites the resolution of complaints to maximize satisfaction and boost the customer service experience.
  • Achieve a healthy portfolio and deposit mix.
  • Executes marketing strategies and develops marketing campaigns.
  • Ensures compliance with all internal policies and regulatory guidelines.
  • Identify potential loan markets and develop referral networks.
  • Perform any other duties as may be assigned by Management.

Qualifications and Experience

  • Candidates should possess an HND / B.Sc. in Social Science or any other related course.
  • 3–10 years of work experience
  • Evidence of completion / exemption from NYSC.
  • Previous experience in a marketing role in a Microfinance Bank or Financial Organization is an advantage.

Skills:

  • Demonstrated ability to communicate, present, and influence credibly and effectively at all societal levels.
  • Proven ability to drive the sales process.
  • Strong business sense and industry expertise.
  • Ability to work in a goal-oriented environment.
  • Ability to work in a team
  • Strong planning, organizational, and time management abilities
  • Basic understanding of sales principles and customer service practices.
  • Friendly, helpful, confident, and engaging personality.
  • Excellent communication and interpersonal skills.
  • Proficient in the use of the MS Office suite.

Application Closing Date: 1st March, 2024.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Position as the subject of the email.