Empire Trust Microfinance Bank Job Vacancies in Lagos today

Empire Trust Microfinance Bank is a financial organization incorporated
by CAC on 30th May, 2014 and was licensed by the CBN on November 20th
2014. Empire Trust Microfinance Bank (ETMfB) officially commenced
operations on 12th February 2015.
Empire Trust Microfinance Bank is  recruiting to fill the position below:

Job Title: Micro Loan Officer

  • Direct promotion in markets
  • Evaluation of loan applications and preparation of loan proposals
  • Monitoring of disbursed loans and loans in arrears
  • Assuring long term relationship through high client satisfaction, reaching a high ration of revolving clients.
  • Must possess high multitasking skills


  • Minimum of OND
  • 1-2 year Experience

Job Title: Area Manager (Retail Loans)
Job Descriptions

  • To supervise at least 4 branch managers and will report to the Group Lending General Managers in the Head Office.
  • He/ She will be responsible for the growth of the business in
    their Areas of coverage and will be appraised based on the area
  • Increasing business opportunities through various routes to market
  • Setting targets for Branch manager as a whole
  • Product Orientation of all Branch Manager
  • Monitoring Branch manager performance and motivating them to reach targets
  • Keeping up to date with products and competitors
  • Ensure that all Branch Manager attend customer’s group meeting on a regular basis
  • He/ She will ensure that Loan Drive is done regularly on the default loans and maintain minimum default rate below 0.2%
  • Maintaining and increasing sales of the company’s products
  • Reaching the targets and goals set for your area
  • Establishing, maintaining and expanding customer data base
  • Servicing the product needs of your potential/existing customers


  • Must have at least 6 years’ microfinance experience in related job functions.
  • Evidence of professional qualifications will be an added advantage
  • University Degree in a related subject.

Job Title: Manager (Legal & Remedial)
Job Description

  • To Manage bank remedial portfolio providing focused remedial
    management oversight in terms of portfolio strategy within management
    standards and credit policies
  • Developing and implementing recovery strategies that are
    intended to either minimize the risks or maximize returns on managed
    transactions for the purpose of restructuring, stabilizing, or exiting
    managed accounts
  • Ensure remedial management activities comply with local
    regulatory requirements as well as internal policy and procedures, and
    responds timely to any changes
  • Identify potential policy, process, procedure and people
    weaknesses in problem recognition and remedial management and recommend
    enhancements to improve or remediate deficiencies to increase capacity
    and/or reduce costs
  • Managing the assigned portfolio within acceptable risk parameters, designing and implementing remedial strategies
  • Working, interacting and negotiating with internal and external customers, and external counterparties as necessary
  • Evaluating collateral and documentation to identify any
    documentation exceptions/deficiencies, and to determine appropriate
    remedial/recovery strategy
  • Developing and presenting action plans for assigned portfolio to senior management
  • Reviewing accounts on a monthly basis to gauge the level of
    progress achieved versus stated action plan, payment status
    (delinquency), appropriateness of classification and risk ratings,
    adherence to financial restructuring and any other internal or external
    follow-ups that arise during the course of time
  • Contributing to implementation of policy and initiatives relating to collateral matters
  • Keeping abreast of internal and external development that impact on collateral management and work with Management.
  • He/She will also work on the recovery of our cumulative written
    off loans and ensure that we are complying with all regulatory reports
    and requirements and respond to all letters received from customers and
    their lawyers.
  • He/she will be responsible for vetting of S.M.E loan documentations, letters and collateral agreements.
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Qualification required:

  • He/she must be a lawyer with cognate experience in litigation and corporate law,
  • She will relate with our external lawyers where necessary.
  • The person must have at least 3 – 5 years post qualification experience.
  • University Degree in a related subject.

Job Title: Branch Manager (Retail Loans)
Job Description

Branch Managers (Retail Loans) Group & Individual lending:

  • He/She will supervise maximum of 4 Loan Officers that will cover the business of their environment,
  • Get detailed report from Loan Officers on customer’s group meeting on a regular basis and report directly to the Area Manager
  • Responsible for Managing ,staffing and scheduling all directs report of the branch to the Area Manager
  • Accountable for driving new client acquisition and retention, growing market share
  • To ensure that branch operations are effective and compliance requirement are met
  • Responsible for branch operations and compliance by providing
    direction and guidance to branch staff on operational /regulatory
  • Allocating marketing areas of coverage to Loan Officer
  • Monitoring Loan Officer performance on a weekly basis based on set target
  • Deposit mobilization and account opening
  • Marketing of Bank’s products and services
  • Monitor/supervise Micro loan Field Officers to ensure compliance with policy/processes
  • Verification of group loan customers and addresses
  • Identify areas of need and advice management of possible solutions

Qualification Required

  • Must have at least 4 years’ microfinance experience in related job functions.
  • Evidence of professional qualifications will be an added advantage
  • University Degree in a related subject.

Job Title: Head: Enterprise Risk, Corporate Auditor /Internal Control
Job Description

  • Perform and control the full audit cycle including risk
    management and control management over operations’ effectiveness,
    financial reliability and compliance with all applicable directives and
  • He/she will be responsible for the audit of the group business
    and identify all risk and mitigate them. He/she will report directly to
    the MD/CEO and the Board of Directors.
  • Determine internal audit scope and develop annual plans
  • Obtain, analyze and evaluate accounting documentation, previous reports, data,etc.
  • Prepare and present reports that reflect audit’s results and document process
  • Identify loopholes and recommend risk aversion measures and cost savings
  • Maintain open communication with management and audit committee
  • Document process and prepare audit findings memorandum
  • Conduct follow up audits to monitor management’s interventions
  • Engage to continuous knowledge development regarding regulations, best practices, tools, techniques and performance standards
  • Planning, designing and implementing an overall risk management process for the organization
  • Risk assessment, which involves analyzing risks as well as
    identifying, describing and estimating the risks affecting the business
  • Risk evaluation, which involves comparing estimated risks with
    criteria established by the organization and evaluating the
    organization’s previous handling of risks;
  • Establishing and quantifying the organization’s ‘risk appetite’, i.e. the level of risk they are prepared to accept
  • Conducting audits of policy and compliance to standards, including liaison with external auditors
  • Providing support, education and training to staff to build risk awareness within the organization
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Qualification Required

  • Must have at least 4 years’ experience in audit and compliance.
  • Evidence of professional qualifications will be an added advantage
  • University Degree in a related subject.

How to Apply
Interested and qualified candidates should send their CV’s to: hr@empiretrustmfb.com

Application Deadline  30th August, 2016.

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