Recruitment at Verite Microfinance Bank Ltd, 19th April, 2017

Verite Microfinance Bank Ltd is duly registered in the Federal Republic of Nigeria by the Corporate Affairs Commission and licensed by the Central Bank of Nigeria as a deposit-taking financial institution. We are recruiting to fill the vacant position below: Job Title: Customer Service Officer (Intern) Location: Lagos Job Descriptions

• Handle customers’ complaints, process orders and provide information about the bank’s products and services.
• Providing outstanding service to customers through all of your interactions.
• Assessing loan applications and making recommendations.
• You will be dealing with incoming calls, taking detailed messages, updating the database and providing an excellent customer service to the organisations clientele.
• Open customers’ accounts and ensure complete documentation for account opening package.
• Preparation of weekly reports on customer service activities of the branch
• Perform other duties as may be assigned by the Branch Manager and Head, Customer Service Unit
• Communicating with customers accurately and efficiently.
• Providing outstanding service to customers through all of your interactions.
• Assessing loan applications and making recommendations.
• Attract potential customers by answering product and service questions; suggesting information about other products and services.
• preparing reports and general administration.

• OND holder in any discipline
• Must be Female
• She must not be more than 26 years of age by April 2017
• Excellent communication (oral and written)
• High sense of responsibility and accountability
• Excellent organizational, innovative, strong analytical and critical thinking skills
• Ability to adapt quickly in new situations and challenges; and also a team player
• A professional and polite telephone manner is required, whilst also being able to build rapport quickly with the caller.
• High level of drive and resilience in achieving set goals/targets
• Good appreciation and working knowledge of MS Office tools (Ms Word, Excel, PowerPoint, Outlook)
• You will be proactive, driven, enthusiastic and will need previous customer service experience.

• Authenticate documentation presented for all credit applications and ensure they meet the KYC requirements and any other requirements as required by the regulators.
• Make recommendations for credit rating.
• Responsible for identifying cross-selling opportunities and to refer such opportunities and leads to the Marketing Department.
• Assist in the Restructuring of debts in the interest of the company and customer.
• Analyze potential loan markets and develop referral networks to locate prospects for credit products.
• Ensure compliance with the Company's Credit policy, procedures and service level agreements.
• Analyze financial data regarding loan requests for new, renewal and existing loans, including data provided by credit bureaus and other financial institutions files.
• Prepares spread sheets, reports, summaries and opinions for financial institutions officers on new, renewal and existing loans.

• Candidates must be holders of OND/HND/B.Sc.
• Must possess minimum of 3 years microfinance experience.
• Group loan experience is compulsory.
• Candidate must be result-oriented.

• To effectively manage the Central Cash department and ensure controls of the Bank's local and foreign cash and draft instruments are consistently adhered to
• Manage and maintain cash limits both at Central Cash and Branches and ensure prompt expatriation of excesses
• Plan and coordinate delivery and collection of cash to and from the Central Bank
• Ensure that foreign cash held is within the set limit
• Verify that vault/reserve cash movement differences are resolved daily
• Supply cash both local and foreign with minimum delay to Branches as per SLA
• Hold in joint custody keys to vault cash compartments
• Ensure accurate and timely processing and reconciliation of General Ledger accounts
• Engage with Partner Banks in cash swaps
• Evaluates daily cash levels and ensures they meet short-term operating needs and long-term project financing requirements
• Be very articulate and pay attention to detail while bearing in mind the turnaround time (TAT) for all transfers and processing of customer instructions
• Responsible for all clearing related activities and funds transfer processing:
• Ensure customers transactions (MCs, Cash Fast) are processed within approved service TAT.
• Ensure maintenance and effective utilization of physical assets and resources (adding machines, workstations, Stamps till boxes etc)
• Ensure customers instructions are properly reviewed before processing.
• Ensure all remittances for customers and regulatory agencies are handled within the agreed time-frame
• Account and financial statement preparation.
• Transfer funds for customers as per customers instructions in a safe and secure manner by observing due diligence at all times.
• To ensure that customer funds transfer instructions are efficiently and promptly executed without delays with a positive impact on customer delight.
• Contributes to the safeguarding of corporate assets and the interest of members by ensuring that appropriate internal controls are in place and operating effectively.
• Conduct investigations of suspected internal fraud.
• Providing general assistance to the audit and business service team.
• Management account preparation.
• Developing strong working relationships with colleagues, clients and relevant authorities.

• Minimum of HND/B.Sc in Business, Finance, Accounting and related disciplines.
• He/She must be experienced in funds transfer, internal control and audit, tellership etc.
• Membership of professional bodies such as ICAN, CIBN is an added advantage
• He/she must have worked in financial institution for minimum of 3 years

• Unquestioned personal integrity with strong ethics and values.
• Capable of working independently and with minimum supervision.
• Good interpersonal skills with a proven ability to communicate effectively [Both written and verbal] with all level within the organization.
• Strong analytical capability
• Candidate must have excellent customer service orientation; must be able to pay attention to details;