🇳🇬 Job Vacancies @ Personal Trust Microfinance Bank Limited – 4 Positions

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.) Legal Officer
2.) Relationship Officer
3.) Branch Manager
4.) Accountant

Job Title: Legal Officer

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

Job summary

• The Legal Officer provides daily support to the Corporate Services Department andwill carry out legal advisory duties.
• The Legal Officer is responsible for preparation and review of all legal agreements in line with regulatory obligations, guaranteeing the Bank’s adherence to regulatory obligations, and the provision of legal advice to the Bank’s management about all relevant issues

Duties and responsibilities

• Ensure compliance with Regulatory agencies such as CBN, NDIC, CAC etc.
• Review of all agreements with institutional service providers and its complete implementation.
• Processing of prompt execution and sealing of agreements and documents.
• Guide and ensure compliance with all local and laws of the Federal legislation
• Provides legal support majorly to the HR, Credit, Recovery, Compliance and Operations departments
• Negotiation, drafting, reviewing and finalizing all legal agreements, contracts and other legal documents to safeguard the Bank’s legal position
• Attendance in court as the representative of the bank, liaising with the relevant Court Officials and external solicitors thereof on a case-by-case basis.
• Provide support to the Company Secretary & Head, Legal in the preparation of materials for Statutory Meetings of the Company, including Board Meetings and Annual General Meeting.
• Prepare all litigation cases together with other members of the Legal Unit and external solicitors, ensure proper follow up and report on the status of new and outstanding cases with proper escalation to Management
• Perform any other duties as may be assigned by Head of Department on Legal issues.

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Qualifications

• Minimum of BL, LLB Law
• Minimum of 5 years post call
• Evidence of completion/ exemption from NYSC.

Experience:

• Previous experience as a legal practitioner in a microfinance bank or the financial sector.
• Comprehensive understanding of mortgage transactions
• Demonstrable knowledge of the Nigeria Legal system.

Skills:

• Excellent time management skills
• Ability to multi-task and prioritize work
• Attention to detail and problem-solving skills
• Strong organizational and planning skills
• Proficiency in MS Office
• Strong negotiating and persuasive skills
• Excellent verbal and written communication
• Proficient in MS Office
• Outstanding organizational and time-management abilities
• Excellent communication and interpersonal skills
• Professional and ethical behaviour.

Application Closing Date
22nd September, 2023.

How to Apply
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the email.

Job Title: Branch Manager

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

Job Summary

• The Branch Manager is responsible for the development, coordination, supervision and implementation of operational and business activities in the branch.
• The job holder implements strategic plans and drives sales target and revenue in line with budgetary projections.

Duties and Responsibilities

• Ensure high-quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes)
• To ensure that customers are migrated to more appropriate and cost-effective channels, that cross-selling opportunities are identified and actioned, based on customer needs.
• Proactively identify and assess the risks faced by the branch and reduce the overall exposure by maintaining an effective system of controls.
• Ensure the effective rollout of management initiatives to the branch
• Maintains a high level of integrity and ethical standards
• Manage assets, e.g. cash and cost accountabilities, with emphasis on the containment of controllable costs
• Manage and ensure overall operational readiness/efficiency of branch infrastructure (including, premises, assets, physical security, opening/closing procedures and operational issues such as fraud, losses and differences
• Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated and recommend revision of internal controls where appropriate, to address new or previously uncontrolled risks
• Ensure that dual controls and levels of authority and limits of access to information/systems are adhered to
• Develop marketing and relationship management plans to achieve responsive sales targets for the centers
• Coach the responsive relationship management team on product knowledge,
• Monitor and manage the performance and development of subordinates to ensure sustained profitability, compliance with the Code of Banking Practice, internal controls and overall well-being of staff
• Prepare a staffing plan to meet service demands in the branches
• Prepare periodic reports including daily, weekly, monthly, quarterly and annual reports
• Achieve volume and revenue target
• Flexibility to carry out any other task as requested by Management

Qualifications

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

Experience:

• Minimum of five (5) years’ experience as a Branch Manager in a bank.
• Analytical and practical understanding of workflow, capacity planning / optimization and process implementation
• Proven experience of marketing and negotiating techniques

Skills:

• Basic Financial Analysis - Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
• Business acumen - Ability to spot opportunities and optimize revenue generation for the business
• A thorough knowledge of standardised banking products
• A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product
• Extensive knowledge of banking regulations
• Understanding and application of Best Practice in all areas of Operations with the ability to drive efficiency and effectiveness
• Strategy planning and implementation
• Strong planning, organizational and time management abilities
• Excellent computer skills; experience in financial software, Microsoft Office Suite
• Advanced knowledge of regulatory provisions, policies and best practices
• Leadership, team management and mentoring
• Metrics-driven mindset
• Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers
• Proficient in the use of MS Office suite.

Application Closing Date
21st September, 2023.

How to Apply
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the email.

Job Title: Accountant

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

Job Summary

• The Accountant is responsible for reconciliation and settlements 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 payment on e-channel accounts.
• Reconcile bank statement 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.
• Monitors the deduction on loan and facilities with various banks and reconciling 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 resolution of issues identified in line with the company’s policies and procedures.
• 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.
• Provide support to other 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/Accountantin a financial institution, microfinance bank will be an added advantage.
• 3 - 5 years work experience.

Skills:

• Experience reconciling accounting figures and financial records
• Great analytical skills for decision making and problem solving
• 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
• Organization and time management abilities
• Meticulous attention to detail and accuracy
• Ability to multi task and meet tight deadlines.

Application Closing Date
21st September, 2023.

How to Apply
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the email.