Ongoing Recruitment 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.) Relationship Officer

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

Job Description

• 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.
• Ensures compliance with all internal policies and regulatory guidelines.
• Monitors competition by gathering current marketplace information on pricing, products, etc.
• 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.
• Recommends changes in products, services, and policies by evaluating results and competitive developments.
• Identify potential loan markets and develop referral networks.
• Perform any other duties as may be assigned by Management.

Qualifications and Experience

• Candidates should possess a B.Sc / HND 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.
• Excellent communication and interpersonal skills.
• Ability to work in a goal-oriented environment.
• Basic understanding of sales principles and customer service practices.
• Friendly, helpful, confident, and engaging personality.
• Ability to work in a team
• Strong planning, organizational, and time management abilities
• Proficient in the use of the MS Office suite.

Application Closing Date: 20th September, 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 mail.

2.) Head, Financial Control

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

Job Description

• The Head, of Financial Control will support the Managing Director to develop and oversee the execution of a finance, treasury, and management strategy that enables the achievement of long-term goals and operational plans.
• The job holder will oversee the bank’s financial planning and strategy, financial management and control, treasury management, tax, and other oversight functions.

Responsibilities

• Contribute to the formation of the business strategy and ensure that all financial policies, procedures and systems are sound
• Provides financial direction, planning and accounting to the business, covering short term and long-term financial goals
• Management of treasury and investment to ensure optimal liquidity and negotiate/arrange external finance when required
• Monitors financial performance by measuring and analyzing results; initiating corrective actions; minimizing the impact of variances
• Oversee the activities of external auditors, CBN and NDIC examiners and ensure 100% compliance with set guidelines
• Monitors banking activities and ensure regular reconciliations of all banking transactions
• Develops plans, budgets, forecasts and financial results to guide management decisions by forecasting, analyzing variances and initiating corrective actions
• Manage relationships with regulatory and statutory bodies, i.e. LIRS, FIRS, etc.
• Ensures adequate insurance coverage on all operational activity
• Ensures adequate controls are installed and maintained to cover all financial transactions, including safeguarding financial assets.
• Oversees activities of your team (i.e. coaches, appraises, rewards, motivates, discipline, etc.).
• Oversee any outsourced accounting functions
• Ensure that financial reports comply with the International Financial reporting standard (IFRS) and constantly keeping abreast of developments in the space
• Authorize expenditure/ transactions in line with the bank’s approval limits
• Flexibility to carry out any other task as requested by Management

Qualifications

• HND/BSc/ in Accounting, economics or a related field
• Minimum of eight (8) years of experience in a similar role at a financial institution
• Evidence of completion/ exemption of/from NYSC
• Professional qualification such as ICAN, ACA, ACCA
• Evidence of completion of Microfinance Certification program
• Knowledge of Financial management systems, accounting policies and standards, tax management, costing accounting etc.
• Treasury and investment management experience
• Knowledge of the Microfinance banking framework

Skills:

• Strong working knowledge of Excel and BankOne
• Strong presentation and financial modeling skills
• Ability to deal with ambiguity, tight timelines, multiple priorities, and demanding customers, in a fast-moving, constantly changing environment.
• High degree of professionalism, maturity and confidentiality.
• Strong oral, written interpersonal and presentation skills.
• High attention to detail.
• Strong budget and management skills, including proven ability to manage project/process.
• Ability to adapt to change quickly and multi-task.
• Strong analytical and problem-solving skills.
• Ability to work within and manage a team of professional, guiding and coordinating towards achieving common objectives.
• Conflict resolution and/or mediation skills
• Influencing and Negotiation skills
• Strong leadership and excellent interpersonal skills.

Application Closing Date: 12th September, 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.) Accountant

Job Location: Lagos Mainland, Lagos
Employment Type: Full Time

Job Description

• The Accountant is responsible for reconciliation and settlement activities and will provide revenue assurance to the bank.

Duties and Responsibilities

• Ensure daily reconciliation and posting of all of all transactions and provide daily/weekly reconciliation and settlement reports.
• Support the E-business team in resolving settlement and reconciliation matters.
• Monitor income/fees and ensure value is promptly transferred to the bank.
• Verify the incoming and outgoing payments on e-channel accounts.
• Reconcile bank statements with entries in the bank ledger on a daily/weekly/monthly basis and present the reconciliation reports.
• Prepare daily and weekly report on over/under-settlement of transactions.
• Identify, follow up and investigate unreconciled transactions or discrepancies to enable prompt resolutions
• Liaising regularly with various bank account officers on issues relating to direct debits, standing orders, unidentified credits and charges from time to time.
• Advise the finance team of possible over-settlement for necessary provisions.
• Maintain reconciliation records.
• Rendition of monthly returns and processing of associated payments for FIRS, LIRS and PFAs within seven days of deduction.
• Sending daily dashboard report to management.
• Monitors the deduction on loan and facilities with various banks and reconciles with terms and conditions in of the offer.
• Develop and maintain business relations with payment partners.
• Liaise with the settlement bank and payment processing companies on potential under-settlement and ensure the resolution of issues identified in line with the company’s policies and procedures.
• Provide support to another finance team a required.
• Support end of day/month and year process.
• Flexibility to carry out any other task as requested by Management.

Qualifications

• HND / B.Sc in Accounting, Economics or a related field.
• Evidence of completion/ exemption of/from NYSC.
• ICAN or ACCA qualification.

Experience:

• Previous experience as a Reconciliation Officer/Accountant in a financial institution, or microfinance bank will be an added advantage.
• 3 - 5 years of work experience.

Skills:

• Experience reconciling accounting figures and financial records
• Great analytical skills for decision-making and problem-solving
• Working knowledge of BankOne will be an added advantage
• Organization and time management abilities
• Strong client relationship management and customer service skills
• Team player with the ability to work with multiple parties
• Advanced computer software skills, including Microsoft Excel
• Meticulous attention to detail and accuracy
• Ability to multi task and meet tight deadlines.

Application Closing Date: 13th September, 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 mail.