Current Vacancies at Micro Enterprises Support Programme Trust (MESPT)

• We are recruiting for a Credit & Business Development Intern to join our team. This opportunity is designed for students that would like to get practical experience in finance and credit administration. Hands on interaction with the MESPT credit and business development team will allow you the opportunity to work on analyzing credit packages, learn the basics of credit analyst work, record management and develop the skills to identify the various strengths and weaknesses of credits, development, and technical writing.

Key Responsibilities and duties

Record Management

By the supervision of Credit and Business development officer:

• Support credit officers in record management- physical, soft and security records.
• Support the credit officers in identifying records ready for archiving/destruction.
• Ensure proper storage of records received from clients in soft and hard copies.
• Maintain a record inventory of all physical and electronic records.

Data Management

• Data collection and evaluation as per the covenants shared between MESPT and partners.
• Timely follow up M&E data with FIs.
• Analyzing the data per client, ensuring accuracy and completeness.
• Develop a consolidated data set for all clients.

Financial analysis

• Support credit officers in data input of financial information to data analysis tool.
• Support credit department in review and enhancing financial and data analysis tools.

Knowledge, Experience and Skills

• Experience in Ms Office Suite Products i.e., Excel, Power Point, SharePoint, OneDrive, Power BI, etc
• Experience in report writing will be an advantage.
• Familiarity in matters data and record management from previous internships, jobs, or employment would be highly advantageous.
• Not required to have professional work experience but those with professional experience are also encouraged to apply.

Qualifications/Other Requirements:

• Degree or Diploma in the fields of statistics, Monitoring, and evaluation, or equivalent.

Behaviour

• Positive, energetic self-starter with a high level of personal drive and resilience
• Willing to learn.
• Demonstrated integrity and of positive attitude.

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Job Purpose

• To effectively manage the process of client identification and acquisition, Credit assessment, risk identification-mitigation and reporting, Developing appropriate credit facilities and monitoring portfolio performance for Mico-Small and Medium Enterprises (MSMEs) in Agricultural sector and Renewable Energy sub-sector.

Key Responsibilities

• Build MESPT Micro and Small Enterprises (MSEs) loan portfolio on all products through attracting and recruiting new clients.
• Maintain accurate data on all applications submitted to MESPT.
• Provide timely feedback to all credit applicants as per the policy guidelines.
• Undertake credit assessment and prepare appraisal reports as per prescribed guidelines for credit facilitation and make necessary recommendation to Credit & Business Development Manager. This includes desk reviews and onsite due diligence.
• Ensure and maintain adequate documentation of all credit cases progressed for approval.
• Capture Know Your Customer data and financial information into the institutional Credit management system.
• Prepare credit facility offer letters spelling out terms, conditions, and covenants for review by line Manager.
• Engage and coordinate with service providers such as lawyers and valuers to facilitate security perfection.
• Initiate loan disbursement process as per credit policy.
• Maintain both soft and hardcopy credit files for all successful and unsuccessful cases.
• Maintain accurate security details in security register in both hard and soft copies for signoff by the line manager.
• Undertake portfolio management to identify default triggers per case, assessment of loan penalties, actioning on measures to mitigate deterioration of portfolio at risk, initiating collection mechanism per policy including business recovery mechanisms.
• Prepare client monitoring schedule for approval by the line manager.
• Undertake monthly desk monitoring and bi-annual site visits, providing monitoring reports.
• Adhere to provisions of data protection Act and internal mechanism of data management and protection.
• Identify and document capacity gaps in enterprises and develop practical recommendations to address the identified gaps.
• Develop a mechanism for credit facilitation to informal groups and individual micro clients with clear risk mitigation models.
• Prepare quarterly departmental report in collaboration with other credit team members and share with line manager.
• Undertake and document bi-annual market scanning in the area of Agricultural Value Chain and Green financing and share with line Manager.
• Identify, document, and share with line manager possible innovative ways of improving business processes at Credit and Business Development Department.
• Identify and document key budget considerations and proposals to Credit Manager to facilitate annual budget planning.
• Develop papers on lessons learnt and case studies.
• Collaborate with teams from other departments.

Any other duties assigned by the line manager.

Key Relationships

Internal

• Programme Managers
• Programme Officers
• Procurement Officer
• Finance Team
• Communication Officer
• Administration Officer
• HR Officer

External

• Donors
• Partner organizations,
• MSMEs in agricultural and Renewable Energy Sectors

Knowledge, Experience and Skills

• At least 5 years post-qualification experience in the financial sector with exposure in micro and small business financing in Agricultural sector, Renewable Energy and Micro groups.
• Good understanding of sustainable finance focusing on both social and climate adaptation and mitigation results among micro and small businesses.
• Good communication and presentation skills, with outstanding reporting skills.
• Sound financial and analytical skills
• Good negotiation, decision-making and problem-solving skills.
• Sound understanding of the current and emerging trends in the sustainable financing.
• Sound Knowledge of financing models and instruments available for sustainable finance.
• Good data analysis skills
• Good report writing skills

Qualifications/Other Requirements:

• Bachelor’s degree in business related field, Economics, Agribusiness, Finance, Accounting or equivalent.
• Proficiency in Microsoft Office applications (Word, Excel, PowerPoint, Outlook, Access,) and statistical related packages
• Ability to handle pressure and work with minimum supervision.
• A team player with the drive to improve performance.

Behaviour

• Results Orientation towards own and team’s role in line with organizational priorities, decisive, passion and drive for high quality work
• Working with others, in a team environment, receiving and providing feedback, contributing to the team’s success, and managing conflicts if it occurs
• Self-Management, by demonstrating Integrity and credibility, leading by example, committed, knowledgeable and confident on the job functions and superior communication skills.
• Creativity: develops and encourages new and innovative solutions, willing to take risks.
• Builds and maintains effective relationships, with their team, colleagues, external partners, and stakeholders.