About Us :
@FRIC FINANCE is a Category 2 microfinance institution specializing in savings collection and lending to individuals, SMEs, and micro-entrepreneurs.
Our mission is to promote financial inclusion by offering accessible, fast, and tailored services to meet the needs of the population, particularly those excluded from the traditional banking system.
General Objective: To ensure the secure, efficient, and compliant management of cash operations (receipts, disbursements, deposits, withdrawals, transfers) in order to guarantee customer satisfaction, the security of funds, and compliance with the institution’s procedures.
Specific Objectives: The cashier plays a key role in customer relations and the branch’s financial reliability . They are responsible for the proper execution of day-to-day operations , compliance with standards , and the security of funds within a microfinance institution (MFI).
MAIN ACTIVITIES
1. Loan Analysis and Granting:
Prospect and identify potential clients (individuals or groups).
Analyze applicants’ creditworthiness through field surveys and the review of collateral.
Prepare loan applications according to MFI procedures.
Present applications to the credit committee and follow up on the decision.
Participate in the effective implementation of approved loans .
2. Loan Portfolio Monitoring:
Conduct regular client visits to monitor financed activities.
Monitor repayment deadlines and alert in case of delays.
Maintain up-to-date customer files and follow-up reports.
3. Debt Collection:
Implement amicable collection actions (calls, reminders, visits).
Prepare files for legal recovery if necessary.
Propose and monitor rescheduling or repayment plans.
Keep a collection log and produce regular reports .
4. Participation in Risk Management:
Identify risk factors in the areas of intervention.
Propose measures to reduce credit risk.
Comply with prudential standards and debt thresholds .
5. Support for the Commercial Strategy:
Contribute to achieving portfolio growth objectives.
Participate in awareness campaigns on financial products.
Work in synergy with other agents to improve the agency’s performance.
Application process: send your CV and cover letter to rh@afric.ca // mylene.chefor@afric.group