Job Summary
The Operations Officer will work closely with respective PFIs to evaluate, analyze and process credit guarantee to be extended on PFI’s MSME lending from origination to claims, of and monitor the portfolio under guarantee.
The job holder shall collaborate with PFIs to improve access to finance for MSMEs as banks and MFIs provide more and better products and services to these enterprises.
Duties and Responsibilities
Business Support:
Act as focal person and responsible for the front-to-end in guarantee application process of respective PFIs by performing independent, forward looking appraisal of current and prospective clients in compliance with guarantee operations manual.
Collaborate and ensure an in-depth understanding of PFIs lending portfolio placed under guarantee through regular value-adding interaction in order to effectively meet the needs of the respective PFIs.
Collaborate with PFIs to create synergy of cooperation and to identify areas of technical assistance.
Ensure close personal attention is given to portfolio by providing a full array of customized financial solutions and services tailored to meet the growth needs and potential of the portfolio.
Achieve financial and non-financial targets for the portfolio.
Implementation of CGF’s operations:
Execute the Guarantee Value Proposition initiatives and activities aimed at optimizing both customer experience and sustainability for the institution.
Review the presentations of guarantee lines ensuring that all the information necessary for the decision-making are
well captured in the proposal.
Evaluate and conduct periodic monitoring of PFI lending activities and portfolio placed under guarantee to ensure strict compliance with internal and cooperation guidelines.
Ensure that adequate portfolio management objectives and deadlines are met and have knowledge of internal operations standards and procedures.
Proactively assist in resolving issues in the management of respective portfolios and escalate when necessary to ensure quick resolution.
Maintain due process and ensure accurate verification of data in compliance with internal guidelines to ensure prompt claims payment.
Other Duties:
Continuously collaborate with other departments and carry out any other duties as may be required.
Develop and maintain strong relationships with key stakeholders.
Experience & Qualifications
Post-graduate qualification in Business, Finance, Economics or related fields.
Minimum of 5 years’ experience relevant to guarantee operations and/or banking pertaining to lending to the MSME sector.
Background in banking, insurance or trade finance is essential.
Extensive experience with commercial banking in MSME lending, credit appraisal and evaluation, financial analysis, revenue management, financial modelling & forecasting, compliance & regulatory issues, and administration functions.
Experience in a fast growing, challenging business environment.
Desired Competencies:
Self-starter with strong internal motivation, able to set-up systems and procedures in a ‘start up’ environment.
Strong quantitative and analytical skills to undertake portfolio evaluation and analysis of prospective PFIs MSME lending portfolio.
Knowledge of MSME lending, credit evaluation and appraisal, traded treasury instruments etc.
Strong IT and Computer Skills – Banking Applications, Word, Excel and Power Point
Commercially astute: a high degree of business acumen, entrepreneurial spirit and wants to grow with the company.
Flexible; readily adapts to change and new products, systems or methods
Demonstrated ability to meet aggressive deadlines per demands and ability to change work schedule to accommodate competing priorities.
A track record of delivering high performance and overcoming challenges.
A dedicated team player with a pragmatic approach.
Very strong relationship management skills
Strong writing skills and solid credit acumen / financial analysis skills (namely cash flow analysis)
Open-minded, personable individual with outstanding organizational skills.
Personal commitment to organization excellence; displays honesty, integrity, and a strong sense of ethics in all decisions and actions.
Strong oral and written communication skills
Sound knowledge of accounting and financial principles gained by experience or qualification
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