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.
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.
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
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.