Recent Job Openings 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 position below:

Job Title: Internal Audit Officer

Location: Mainland, Lagos
Employment Type: Full-time

Job Description

  • The Internal Audit Officer functions as an independent and objective body that reviews and evaluates compliance with external regulations and guidelines as well as internal policies.

Duties and Responsibilities

  • Perform audit tests and evaluate the adequacy of process design and the effectiveness of control system
  • Propose practical recommendations to address control weaknesses and/or process inefficiencies
  • Prepares audit reports/memorandums to proffer recommendations to the Head of audit
  • Assists in the development of the annual Internal Audit plan
  • Safeguards corporate assets s by ensuring that appropriate and effective internal controls are in place
  • Conducts investigations of suspected internal fraud
  • Collect, co-ordinate and disseminate material for the quarterly Audit Committee meeting
  • Performing the full audit cycle including risk management and control management over operations’ effectiveness, financial reliability and compliance with all applicable directives and regulations
  • Act as an objective source of independent advice for the achievement of the corporate objective
  • Conduct follow up audits to monitor management’s interventions
  • Performs audit work, including plan preparation, workpapers, finding, and associated reports; verifies the accuracy of financial records as they pertain to assets, liabilities, receipts, expenditures, and related transactions.
  • Keeps abreast current developments and changes in external regulations as applicable.
  • Implements the anti-fraud campaign and assess compliance
  • Performs any other responsibility assigned by Management.

Qualifications

  • HND / B.Sc in Banking and Finance, Accountingor any other related field
  • Evidence of completion/ exemption of/from NYSC.

Experience:

  • 2 – 3 years Internal audit experience in a financial institution or an audit firm
  • Evidence of completion/ exemption of/from NYSC.

Skills:

  • Excellent verbal and written communication skills
  • Analytical and problem-solving skills
  • Meticulous attention to detail and accuracy in work product
  • Strong strategy and implementation skills
  • Proficient in the use of MS Office suit
  • Ability to multi task and handle pressure
  • Unquestioned personal integrity with strong ethics and values
  • Ability to stand firm on difficult issues when required
  • Capable of working independently and with minimum supervision
  • Logical approach to identifying and evaluating issues and problem solving
  • Displays awareness of the need for confidentially in sensitive matters
  • Demonstrated job commitment and personal flexibility to meet changing expectations.
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Application Closing Date
9th March, 2023.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the mail.

 

 

 

 

Job Title: Relationship Officer

Location: Mainland, Lagos
Employment Type: Full-time

Job summary

  • 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.
  • Expedites the resolution of complaints to maximize satisfaction and boost customer service experience.
  • Achieve a healthy portfolio and deposit mix.
  • Executes marketing strategy and develops marketing campaigns.
  • Ensures compliance with all internal policies and regulatory guidelines.
  • Monitors competition by gathering current marketplace information on pricing, products, etc.
  • Recommends changes in products, services, and policies by evaluating results and competitive developments.
  • Identify potential loan markets and develop r+eferral networks.
  • Perform any other duties as may be assigned by Management.

Qualifications

  • HND / B.Sc in Social Science or any other related course.
  • Evidence of completion / exemption of / from NYSC.
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Experience:

  • 3 – 10 years of work experience.
  • 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.
  • Basic understanding of sales principles and customer service practices.
  • Friendly, helpful, confident and engaging personality.
  • Excellent communication and interpersonal skills.
  • Ability to work in a goal-oriented environment.
  • Ability to work in a team.
  • Strong planning, organizational and time management abilities.
  • Proficient in the use of MS Office suite.

Application Closing Date
27th February, 2023.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the mail.

 

 

 

 

 

Job Title: Head, Internal Audit & Compliance

Location: Mainland, Lagos
Employment Type: Full-time

Job Summary

  • The Head of Internal Audit & Compliance is responsible for the development, management and evaluation of internal control systems in the Bank.
  • The Internal auditor develops and implements the annual internal audit program and ensures that the audit objectives are met.
  • The job holder provides reasonable assurance on the effectiveness and strength of internal controls.

Duties and Responsibilities

  • Develops an annual risk-based internal audit plan and oversee the implementation of the approved plan
  • Ensures methodical documentation of work plans, testing results, conclusions and recommendations and ensures follow up on findings and corrective actions.
  • Provide technical assistance with investigations, special audits, and provide subject-matter expertise as needed.
  • Remains current on audit regulatory oversight trends and develop a risk-based approach incorporated into the annual audit plan.
  • Performs regular bank-wide risk assessment to identify significant risks or exposure related to internal controls or compliance with regulatory requirements, efficiency of operations, and accuracy of financial reporting.
  • Provides feedback and recommendations on business risks and improving operational efficiencies and processes where appropriate.
  • Directs the work of external auditors to ensure the audit work remains within the prescribed guidelines.
  • Coordinates and assist with the preparation of Audit Committee materials and participate in audit committee meetings
  • Investigates and report to the Audit Committee on activities reported through the Hotline/Whistleblower processes and assist in investigations.
  • Initiates policy and process reviews including ensuring they are up to date with all legislations and best practices
  • Using problem solving and critical thinking skills to quickly identify internal control deficiencies, evaluate their risk implications, and draw the appropriate conclusions
  • Lead the setup of the enterprise risk assessment for the bank and developing a risk log
  • Conduct follow-up reviews of financial, operational, or regulatory compliance deficiencies noted during audits.
  • Implements the anti-fraud campaign and assess compliance
  • Prepares monthly regulatory renditions and returns
  • Flexibility to carry out any other task as requested by Management
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Qualifications

  • HND / BSc in IT, Information Systems, Mathematics, Accounting, Banking and finance or a related field
  • Evidence of completion/ exemption of/from NYSC
  • Evidence of ICAN certification is an added advantage
  • Evidence of completion of Microfinance Certification program.

Experience:

  • Minimum of five (5) years’ experience in Internal Audit in a Microfinance Bank, financial institution or an audit firm
  • Prior managerial experience in similar role or capacity
  • In-depth knowledge of Internal control framework for the Microfinance Industry.

Skills:

  • Strategy planning and implementation
  • Organization and time management abilities
  • Leadership, team management and mentoring
  • Outstanding communication and people skills
  • Extensive knowledge of all regulatory policies and procedure
  • Proficient writing and delivery of presentations and documentation
  • Risk Management techniques
  • Proficient writing and delivery of presentations and documentation
  • Logical approach to identifying and evaluating issues and problem solving
  • Meticulous attention to detail and accuracy
  • Ability to multi task and meet tight deadlines
  • Ability to interact with senior management and stakeholders, including regulators
  • Proficient in the use of MS Office suit
  • Unquestioned personal integrity with strong ethics and values.

Application Closing Date
9th March, 2023.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using “Head, Internal Audit & Compliance” as the subject of the mail.