Vision Fund Micro Finance Institution (S.C) is an Institution established according to proclamation No. 40/96 to provide financial services to the productive poor in the rural and urban areas of Ethiopia. Vision Fund is currently operating in five of the Regional States of the country.
Position 1 – Area Credit Analyst
Job Summary
The Credit Analyst is responsible for data collection, assessment of performance of Area and Branch Offices and prepares performance reports; follows up low performing Branches and gives feedback the supervisors. He/she also coordinates operational activities related to loan disbursement and repayment of the Company
Qualification: BA Degree in Banking and Finance, Accounting or related field.
Experience: A minimum of 4 years relevant work experience.
Aditional Qualification
Good teamwork;
Demonstrated technical ability to interact and work effectively with others at all levels;
Basic computer skills and excellent written and oral communication skills;
Self-starter and perseverance in character;
Be proficient in Microsoft with excellent excel spreadsheet skills;
Very good communicator.
Position 2 – Portfolio Management Officer
Qualification: BA Degree in Banking and Finance, Accounting or equivalent or related.
Experience: A minimum of 4 years of relevant work experience.
Aditional Qualification
Good teamwork;
Demonstrated technical ability to interact and work effectively with others at all levels;
Basic computer skills and excellent written and oral communication skills;
Self-starter and perseverance in character;
Be proficient in Microsoft with excellent excel spreadsheet skills;
Very good communicator.
Office environment: typical office based but there could be occasional field travel. Travels to field up to ……. % of her/his
Responsibilities
Ensures recovery of loans through loan follow-up on a case by case basis;
Undertakes close follow-up of the sick loans transferred to him/her to confirm repayment of currently maturing debts;
Ensures continuity of the repayment for the loan duration;
Carries out assessment of the borrower’s business viability by preparing key performance indicators such as profitability, activity level of the business, management of the business, etc.;
Identifies non-performing loans that need special attention for further follow–up and appropriate remedial action;
Prepares and presents periodical reports on the borrower’s business performance to respective supervision for the overall Company considerations;
Contacts borrowers , visits their business and provides advice to settle the arrears, overdue amount, improve utilization of the facility within mutually agreed time or gets better business management and performance;
Writes a notice to borrowers who don’t respond positively to advise them to make immediate repayment and arranges meetings with them to discuss the matter;
Seeks remedial actions for loans unable to rehabilitate; prepares proposal and presents the case with relevant documents to supervisor to decide on the issue;
Forwards loans unable to rehabilitate to the Legal Officer to take legal action;
Initiates write off proposal to the supervisor for conducting past write off to follow up any attachable property for the write off case in collaboration with the legal Officer.
How To Apply
Candidates who fulfil the above requirements can submit the application letter, updated curriculum vitae with names and addresses of up to 3 references and non-returnable copies of credentials in person VFE_Vacancy@wvi.org.
Women applicants are highly encouraged to apply!
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