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customer care Specialist (Call Center) at Valley Bank
Wayne, New Jersey, United States - Full Time
Skills Needed
Customer Service, Communication, Problem Solving, Computer Skills, Banking Products Knowledge, Sales, Referral Generation, Troubleshooting, Detail Oriented, Organized, Patience, Diplomacy, Tact
Specialization
Candidates must possess a High School Diploma or GED along with a minimum of two years of high-volume call center, teller, or branch banking experience. Essential qualifications include excellent verbal and written communication, strong customer service skills, proficiency with multiple computer systems, and the ability to demonstrate confidence, tact, and patience.
Experience Required
Minimum 2 year(s)
Asst SBA Admin Officer at Valley Bank
Tampa, Florida, United States - Full Time
Skills Needed
Sba Sop 50 10, Sba Sop 5057, Sbaone, E Tran, Loan Documentation, Loan Servicing, Liquidation, Underwriting, Closing Statements, Regulatory Compliance, Mentoring, Team Leadership, Word, Excel, Powerpoint, Sba Packaging Software
Specialization
Candidates must hold a bachelor's degree in business or finance and possess at least 5 years of experience in SBA loan packaging, closing, and servicing. Strong knowledge of SBA SOPs and proficiency in Microsoft Office and SBA packaging software are required.
Experience Required
Minimum 5 year(s)
Sales and Service Specialist at Fulton Bank
Richmond, Virginia, United States - Full Time
Skills Needed
Customer Service, Sales, Cash Handling, Teller Transactions, Relationship Building, Compliance, Digital Solutions, Problem Solving, Account Opening, Customer Maintenance, Operational Activities, Risk Management, Crm, Communication, Teamwork, Flexibility
Specialization
Candidates must have a high school diploma and at least one year of customer service or sales experience. Cash handling experience is preferred, and ongoing compliance training is required.
Service Specialist at Taylor Bank
Cape Charles, Virginia, United States - Full Time
Skills Needed
Customer Service, Banking Operations, Deposit Processing, Account Maintenance, Debit Card Issuance, Digital Banking Navigation, Product Referrals, Administrative Tasks, Microsoft Office Suite, Communication Skills, Professional Appearance
Specialization
Candidates must have a high school diploma or equivalent, with an associate degree preferred. Prior customer service or banking experience and proficiency in Microsoft Office are also required.
Account Officer 1 at BDO Unibank
City of Malolos, Bulacan, Philippines - Full Time
Skills Needed
Microfinance, Loan Processing, Credit Analysis, Sales, Marketing, Customer Service, Communication, Mathematical Knowledge, Word Processing, Spreadsheets, Fieldwork, Motorcycle Driving
Specialization
Candidates must hold a bachelor's degree and possess strong communication, sales, and basic mathematical skills. Experience in microfinance and the ability to drive a motorcycle are considered advantageous.
Sales Support Assistant (Caramoan) at BDO Unibank
Bico, Quezon, Philippines - Full Time
Skills Needed
Sales Support, Customer Service, Report Preparation, Report Consolidation, Client Inquiry Handling, Liaison, Microsoft Office, Communication Skills, Loan Processing
Specialization
Candidates must hold a four-year degree and possess at least one year of experience in sales or customer service within a financial or related institution. Proficiency in Microsoft Office and strong communication skills are required.
Travelling Teller at BDO Unibank
Tagum, Davao del Norte, Philippines - Full Time
Skills Needed
Branch Operations, Accounting Entries, Oral Communication, Written Communication, Interpersonal Skills, People Management, Computer Applications, Business Applications, Cash Handling, Reporting, Regulatory Compliance
Specialization
Candidates must hold a bachelor's degree, preferably in a business-related course. At least one year of experience in branch operations within a commercial or universal bank is considered an advantage.
Customer Service Officer at BDO Unibank
Davao City, Davao Region, Philippines - Full Time
Skills Needed
Customer Service, Client Service, Communication, Video Assistance, Account Opening
Specialization
Candidates must hold a Bachelor's degree and have at least 2 years of experience in customer or client service. A pleasing personality and the willingness to work in Davao City are required.
Experience Required
Minimum 2 year(s)
Service Officer at BDO Unibank
Bico, Quezon, Philippines - Full Time
Skills Needed
Branch Operations, Tellering, Cashiering, Atm Operations, Marketing, Internal Control, Regulatory Compliance, Financial Target Achievement, Team Supervision, Transaction Vouching
Specialization
The candidate must ensure efficient service delivery and adherence to internal controls and regulatory requirements. They are expected to supervise branch personnel and be amenable to movement within the covered area.
Experience Required
Minimum 2 year(s)
Travelling Teller at BDO Unibank
Davao City, Davao Region, Philippines - Full Time
Skills Needed
Branch Operations, Accounting Entries, Oral Communication, Written Communication, Interpersonal Skills, People Management, Computer Applications, Business Applications, Cash Handling, Deposit Collection
Specialization
Candidates must hold a bachelor's degree, preferably in a business-related field. At least one year of experience in branch operations within a commercial or universal bank is considered an advantage.
Commercial Banking Relationship Manager I at Valley Bank
Palo Alto, California, United States - Full Time
Skills Needed
Business Development, Client Acquisition, Relationship Management, Credit Underwriting, Loan Documentation, Financial Analysis, Negotiation, Sales, Presentation Skills, Accounting, Salesforce, Ncino, Microsoft Word, Microsoft Excel, Microsoft Outlook, Time Management
Specialization
Candidates must have at least 3 years of related lending or credit experience and a high school diploma or GED. Strong skills in credit underwriting, financial analysis, and professional communication are required, with a bachelor's degree in a business-related field preferred.
Experience Required
Minimum 2 year(s)
Client Service Specialist at COGENT BANK
Winter Park, Florida, United States - Full Time
Skills Needed
Cash Handling, Customer Service, Banking Software, Regulatory Compliance, Cross Selling, Communication Skills, Time Management, Multitasking, Problem Resolution, Data Entry, Financial Transactions, Bsa/Aml Compliance, Attention To Detail, Professionalism, Interpersonal Skills
Specialization
Candidates must have a high school diploma or equivalent and at least one year of teller or client service experience. Proficiency in banking software, cash handling, and knowledge of regulatory compliance practices are required.
Financial Center Relationship Specialist at Fulton Bank
Woodbury, New Jersey, United States - Full Time
Skills Needed
Sales, Customer Service, Banking, Relationship Management, Communication, Digital Solutions, Compliance, Risk Management, Networking, Prospecting, Crm, Financial Solutions, Adaptability, Collaboration, Needs Based Conversations, Transactional Support
Specialization
A high school diploma is required, with an associate degree preferred. Candidates should have at least 3 years of demonstrated sales experience and customer service experience, with prior banking experience preferred.
Experience Required
Minimum 2 year(s)
Manager, Specialized Loan Servicing at Valley Bank
Saint Petersburg, Florida, United States - Full Time
Skills Needed
Commercial Lending, Loan Syndications, Loan Participations, Credit Risk Management, Loan Documentation, Regulatory Compliance, Loan Operations, General Ledger, Ibs, Precision Lm, Relationship Management, Financial Analysis, Leadership, Audit Coordination, Cash Flow Management, Derivative Transactions
Specialization
Candidates must have at least 10 years of banking experience in commercial lending and loan operations, with a minimum of 5 years specifically in loan syndications and participations. A high school diploma or GED is required, while a bachelor's degree in finance, business, or accounting is preferred.
Experience Required
Minimum 10 year(s)
Senior Mortgage Loan Officer at Fulton Bank
Galloway, New Jersey, United States - Full Time
Skills Needed
Mortgage Lending, Loan Origination, Relationship Building, Financial Analysis, Sales, Customer Service, Regulatory Compliance, Lead Generation, Financial Advising, Networking, Documentation, Communication
Specialization
Candidates must have at least 4 years of experience in residential mortgage lending and a proven ability to develop external referral sources. A high school diploma or equivalent is the minimum educational requirement for this role.
Experience Required
Minimum 2 year(s)
Comm Banking Strategy Analyst - Ft Lauderdale, FL or Morristown, NJ at Valley Bank
Morristown, New Jersey, United States - Full Time
Skills Needed
Excel, Sql, Salesforce, Power Bi, Business Intelligence, Data Analysis, Financial Analysis, Commercial Banking, Credit Policy, Client Segmentation, Project Management, Stakeholder Management, Operational Efficiency, Reporting, Communication, Organizational Design
Specialization
Candidates must possess a bachelor's degree in a business-related field and at least 3 years of experience in commercial banking or financial analysis. Proficiency in Excel, SQL, Salesforce, and Power BI is required, along with strong analytical and communication skills.
Experience Required
Minimum 2 year(s)
Service Excellence Manager (Assistant Branch Manager) at Valley Bank
Birmingham, Alabama, United States - Full Time
Skills Needed
Customer Service, Branch Operations, Sales Management, Staff Supervision, Cash Management, Financial Analysis, Compliance, Risk Management, Team Leadership, Communication Skills, Problem Solving, Microsoft Word, Microsoft Excel, Microsoft Outlook, Banking Regulations, Kyc
Specialization
Candidates must have at least 4 years of branch banking experience in sales, operations, and staff oversight. A high school diploma or GED is required, while a bachelor's degree is preferred.
Experience Required
Minimum 2 year(s)
Compliance Analyst at Thread Bank
Nashville, Tennessee, United States - Full Time
Skills Needed
Regulatory Compliance, Compliance Risk, Consumer Protection Regulations, Lending Laws, Deposit Laws, Risk Assessments, Policy Review, Regulatory Interpretation, Audit Remediation, Product Development, Stakeholder Education, Fintech Trends, Communication, Presentation, Collaboration, Detail Oriented
Specialization
Candidates must possess a minimum of 3-5 years of banking experience focused on regulatory compliance, along with comprehensive knowledge of consumer and commercial regulations. Strong collaboration skills, attention to detail, and excellent written and verbal communication abilities are essential for success in this fast-paced environment.
Experience Required
Minimum 2 year(s)
Digital Experience Support at Bank Muscat
Vienna, , Austria - Full Time
Skills Needed
Production Support, Test Management, Documentation, Customer Engagement, Issue Resolution, Sla Adherence, Uat Functional Testing, Sanity Testing, Communication Skills, Payment Process Knowledge, Collection Process Knowledge, Performance Metrics, Mis Reporting, Corporate Net Banking, H2h Integrations
Specialization
Candidates must be Omani nationals with a Bachelor's degree in Computer Engineering or a related field, possessing 7-8 years of banking experience, with online banking experience being an advantage. Required knowledge includes Payment and Collection Processes, proven customer support experience, and understanding of performance metrics.
Experience Required
Minimum 5 year(s)
Account Officer 1 at BDO Unibank
Pagadian, Zamboanga del Sur, Philippines - Full Time
Skills Needed
Loan Volume Targets, Profitability, Credit Quality, Customer Service, Solicit Microfinance Loan Accounts, Loan Applicant Qualification Analysis, Credit Initiation, Collection Activities, Loan Processing, Loan Servicing, File Review, Sales Activities, Marketing Activities, Selling Skills, Communication Skills, Mathematical Knowledge
Specialization
Candidates must hold a four-year or five-year degree and possess good selling, communication, and customer service skills, along with basic mathematical knowledge. Familiarity with word processing and spreadsheet software is preferred, and prior fieldwork and sales experience in Microfinance is an advantage.
customer care Specialist (Call Center) at Valley Bank
Wayne, New Jersey, United States -
Full Time

Start Date

Immediate

Expiry Date

12 Jun, 26

Salary

0.0

Posted On

14 Mar, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Customer Service, Communication, Problem Solving, Computer Skills, Banking Products Knowledge, Sales, Referral Generation, Troubleshooting, Detail Oriented, Organized, Patience, Diplomacy, Tact

Industry

Banking

Description
Responsibilities include but are not limited to: * Follow bank established guidelines regarding customer service and deliver an exceptional customer experience in accordance with Valley's mission statement. * Manage all customer issues while maintaining the highest level of professionalism, provide thoughtful prompt resolution with empathy, poise a consistent voice with the on-going goal of establishing a positive customer experience. * Answer high volume of phone calls, respond to e-mails including various communication channels from clients regarding balances, transactions, Debit Card usage/limits, Internet Banking, and other general banking queries. * Maintain proficient knowledge of Bank products and services and ability to educate customers on such, as well as cross sell various products and services. * Maintain ownership of issues to resolutions and escalate unresolved issues through proper channels. * Responsible for achieving individual sales, referral and service quality goals. * Develop referrals from prospects calling to inquire on bank products and services. * Provide operational support and trouble shoot issues for various digital banking products, such as Online Banking, Remote Deposit Capture, Mobile Banking, Mobile Deposit, and Mobile Wallet/Bill Pay. Qualifications Required Skills: * Excellent verbal and written communication skills. * Strong Customer Service Skills with the ability to engage customers in conversation regarding products and services. * Proficient computer skills; ability to understand and utilize multiple systems, computer and databases. * Demonstrate a working knowledge of bank products, services and policies. * Ability to solve practical problems. * Demonstrate a professional manner and team spirit. * Must be self-driven with a positive outlook and have the ability to demonstrate confidence, tact, patience, and diplomacy while dealing with customers. * Detail oriented and organized. Required Experience: * High School Diploma or GED and a minimum of two years' high volume call center experience, teller or branch banking experience. * Bilingual preferred.
Responsibilities
Responsibilities involve managing high volumes of customer calls and emails regarding general banking queries, transactions, and digital banking products while adhering to bank guidelines and maintaining professionalism. The role also requires educating customers on bank products, cross-selling services, achieving sales goals, and escalating unresolved issues through proper channels.
customer care Specialist (Call Center) at Valley Bank
Wayne, New Jersey, United States - Full Time
Skills Needed
Customer Service, Communication, Problem Solving, Computer Skills, Banking Products Knowledge, Sales, Referral Generation, Troubleshooting, Detail Oriented, Organized, Patience, Diplomacy, Tact
Specialization
Candidates must possess a High School Diploma or GED along with a minimum of two years of high-volume call center, teller, or branch banking experience. Essential qualifications include excellent verbal and written communication, strong customer service skills, proficiency with multiple computer systems, and the ability to demonstrate confidence, tact, and patience.
Experience Required
Minimum 2 year(s)
Asst SBA Admin Officer at Valley Bank
Tampa, Florida, United States - Full Time
Skills Needed
Sba Sop 50 10, Sba Sop 5057, Sbaone, E Tran, Loan Documentation, Loan Servicing, Liquidation, Underwriting, Closing Statements, Regulatory Compliance, Mentoring, Team Leadership, Word, Excel, Powerpoint, Sba Packaging Software
Specialization
Candidates must hold a bachelor's degree in business or finance and possess at least 5 years of experience in SBA loan packaging, closing, and servicing. Strong knowledge of SBA SOPs and proficiency in Microsoft Office and SBA packaging software are required.
Experience Required
Minimum 5 year(s)
Sales and Service Specialist at Fulton Bank
Richmond, Virginia, United States - Full Time
Skills Needed
Customer Service, Sales, Cash Handling, Teller Transactions, Relationship Building, Compliance, Digital Solutions, Problem Solving, Account Opening, Customer Maintenance, Operational Activities, Risk Management, Crm, Communication, Teamwork, Flexibility
Specialization
Candidates must have a high school diploma and at least one year of customer service or sales experience. Cash handling experience is preferred, and ongoing compliance training is required.
Service Specialist at Taylor Bank
Cape Charles, Virginia, United States - Full Time
Skills Needed
Customer Service, Banking Operations, Deposit Processing, Account Maintenance, Debit Card Issuance, Digital Banking Navigation, Product Referrals, Administrative Tasks, Microsoft Office Suite, Communication Skills, Professional Appearance
Specialization
Candidates must have a high school diploma or equivalent, with an associate degree preferred. Prior customer service or banking experience and proficiency in Microsoft Office are also required.
Account Officer 1 at BDO Unibank
City of Malolos, Bulacan, Philippines - Full Time
Skills Needed
Microfinance, Loan Processing, Credit Analysis, Sales, Marketing, Customer Service, Communication, Mathematical Knowledge, Word Processing, Spreadsheets, Fieldwork, Motorcycle Driving
Specialization
Candidates must hold a bachelor's degree and possess strong communication, sales, and basic mathematical skills. Experience in microfinance and the ability to drive a motorcycle are considered advantageous.
Sales Support Assistant (Caramoan) at BDO Unibank
Bico, Quezon, Philippines - Full Time
Skills Needed
Sales Support, Customer Service, Report Preparation, Report Consolidation, Client Inquiry Handling, Liaison, Microsoft Office, Communication Skills, Loan Processing
Specialization
Candidates must hold a four-year degree and possess at least one year of experience in sales or customer service within a financial or related institution. Proficiency in Microsoft Office and strong communication skills are required.
Travelling Teller at BDO Unibank
Tagum, Davao del Norte, Philippines - Full Time
Skills Needed
Branch Operations, Accounting Entries, Oral Communication, Written Communication, Interpersonal Skills, People Management, Computer Applications, Business Applications, Cash Handling, Reporting, Regulatory Compliance
Specialization
Candidates must hold a bachelor's degree, preferably in a business-related course. At least one year of experience in branch operations within a commercial or universal bank is considered an advantage.
Customer Service Officer at BDO Unibank
Davao City, Davao Region, Philippines - Full Time
Skills Needed
Customer Service, Client Service, Communication, Video Assistance, Account Opening
Specialization
Candidates must hold a Bachelor's degree and have at least 2 years of experience in customer or client service. A pleasing personality and the willingness to work in Davao City are required.
Experience Required
Minimum 2 year(s)
Service Officer at BDO Unibank
Bico, Quezon, Philippines - Full Time
Skills Needed
Branch Operations, Tellering, Cashiering, Atm Operations, Marketing, Internal Control, Regulatory Compliance, Financial Target Achievement, Team Supervision, Transaction Vouching
Specialization
The candidate must ensure efficient service delivery and adherence to internal controls and regulatory requirements. They are expected to supervise branch personnel and be amenable to movement within the covered area.
Experience Required
Minimum 2 year(s)
Travelling Teller at BDO Unibank
Davao City, Davao Region, Philippines - Full Time
Skills Needed
Branch Operations, Accounting Entries, Oral Communication, Written Communication, Interpersonal Skills, People Management, Computer Applications, Business Applications, Cash Handling, Deposit Collection
Specialization
Candidates must hold a bachelor's degree, preferably in a business-related field. At least one year of experience in branch operations within a commercial or universal bank is considered an advantage.
Commercial Banking Relationship Manager I at Valley Bank
Palo Alto, California, United States - Full Time
Skills Needed
Business Development, Client Acquisition, Relationship Management, Credit Underwriting, Loan Documentation, Financial Analysis, Negotiation, Sales, Presentation Skills, Accounting, Salesforce, Ncino, Microsoft Word, Microsoft Excel, Microsoft Outlook, Time Management
Specialization
Candidates must have at least 3 years of related lending or credit experience and a high school diploma or GED. Strong skills in credit underwriting, financial analysis, and professional communication are required, with a bachelor's degree in a business-related field preferred.
Experience Required
Minimum 2 year(s)
Client Service Specialist at COGENT BANK
Winter Park, Florida, United States - Full Time
Skills Needed
Cash Handling, Customer Service, Banking Software, Regulatory Compliance, Cross Selling, Communication Skills, Time Management, Multitasking, Problem Resolution, Data Entry, Financial Transactions, Bsa/Aml Compliance, Attention To Detail, Professionalism, Interpersonal Skills
Specialization
Candidates must have a high school diploma or equivalent and at least one year of teller or client service experience. Proficiency in banking software, cash handling, and knowledge of regulatory compliance practices are required.
Financial Center Relationship Specialist at Fulton Bank
Woodbury, New Jersey, United States - Full Time
Skills Needed
Sales, Customer Service, Banking, Relationship Management, Communication, Digital Solutions, Compliance, Risk Management, Networking, Prospecting, Crm, Financial Solutions, Adaptability, Collaboration, Needs Based Conversations, Transactional Support
Specialization
A high school diploma is required, with an associate degree preferred. Candidates should have at least 3 years of demonstrated sales experience and customer service experience, with prior banking experience preferred.
Experience Required
Minimum 2 year(s)
Manager, Specialized Loan Servicing at Valley Bank
Saint Petersburg, Florida, United States - Full Time
Skills Needed
Commercial Lending, Loan Syndications, Loan Participations, Credit Risk Management, Loan Documentation, Regulatory Compliance, Loan Operations, General Ledger, Ibs, Precision Lm, Relationship Management, Financial Analysis, Leadership, Audit Coordination, Cash Flow Management, Derivative Transactions
Specialization
Candidates must have at least 10 years of banking experience in commercial lending and loan operations, with a minimum of 5 years specifically in loan syndications and participations. A high school diploma or GED is required, while a bachelor's degree in finance, business, or accounting is preferred.
Experience Required
Minimum 10 year(s)
Senior Mortgage Loan Officer at Fulton Bank
Galloway, New Jersey, United States - Full Time
Skills Needed
Mortgage Lending, Loan Origination, Relationship Building, Financial Analysis, Sales, Customer Service, Regulatory Compliance, Lead Generation, Financial Advising, Networking, Documentation, Communication
Specialization
Candidates must have at least 4 years of experience in residential mortgage lending and a proven ability to develop external referral sources. A high school diploma or equivalent is the minimum educational requirement for this role.
Experience Required
Minimum 2 year(s)
Comm Banking Strategy Analyst - Ft Lauderdale, FL or Morristown, NJ at Valley Bank
Morristown, New Jersey, United States - Full Time
Skills Needed
Excel, Sql, Salesforce, Power Bi, Business Intelligence, Data Analysis, Financial Analysis, Commercial Banking, Credit Policy, Client Segmentation, Project Management, Stakeholder Management, Operational Efficiency, Reporting, Communication, Organizational Design
Specialization
Candidates must possess a bachelor's degree in a business-related field and at least 3 years of experience in commercial banking or financial analysis. Proficiency in Excel, SQL, Salesforce, and Power BI is required, along with strong analytical and communication skills.
Experience Required
Minimum 2 year(s)
Service Excellence Manager (Assistant Branch Manager) at Valley Bank
Birmingham, Alabama, United States - Full Time
Skills Needed
Customer Service, Branch Operations, Sales Management, Staff Supervision, Cash Management, Financial Analysis, Compliance, Risk Management, Team Leadership, Communication Skills, Problem Solving, Microsoft Word, Microsoft Excel, Microsoft Outlook, Banking Regulations, Kyc
Specialization
Candidates must have at least 4 years of branch banking experience in sales, operations, and staff oversight. A high school diploma or GED is required, while a bachelor's degree is preferred.
Experience Required
Minimum 2 year(s)
Compliance Analyst at Thread Bank
Nashville, Tennessee, United States - Full Time
Skills Needed
Regulatory Compliance, Compliance Risk, Consumer Protection Regulations, Lending Laws, Deposit Laws, Risk Assessments, Policy Review, Regulatory Interpretation, Audit Remediation, Product Development, Stakeholder Education, Fintech Trends, Communication, Presentation, Collaboration, Detail Oriented
Specialization
Candidates must possess a minimum of 3-5 years of banking experience focused on regulatory compliance, along with comprehensive knowledge of consumer and commercial regulations. Strong collaboration skills, attention to detail, and excellent written and verbal communication abilities are essential for success in this fast-paced environment.
Experience Required
Minimum 2 year(s)
Digital Experience Support at Bank Muscat
Vienna, , Austria - Full Time
Skills Needed
Production Support, Test Management, Documentation, Customer Engagement, Issue Resolution, Sla Adherence, Uat Functional Testing, Sanity Testing, Communication Skills, Payment Process Knowledge, Collection Process Knowledge, Performance Metrics, Mis Reporting, Corporate Net Banking, H2h Integrations
Specialization
Candidates must be Omani nationals with a Bachelor's degree in Computer Engineering or a related field, possessing 7-8 years of banking experience, with online banking experience being an advantage. Required knowledge includes Payment and Collection Processes, proven customer support experience, and understanding of performance metrics.
Experience Required
Minimum 5 year(s)
Account Officer 1 at BDO Unibank
Pagadian, Zamboanga del Sur, Philippines - Full Time
Skills Needed
Loan Volume Targets, Profitability, Credit Quality, Customer Service, Solicit Microfinance Loan Accounts, Loan Applicant Qualification Analysis, Credit Initiation, Collection Activities, Loan Processing, Loan Servicing, File Review, Sales Activities, Marketing Activities, Selling Skills, Communication Skills, Mathematical Knowledge
Specialization
Candidates must hold a four-year or five-year degree and possess good selling, communication, and customer service skills, along with basic mathematical knowledge. Familiarity with word processing and spreadsheet software is preferred, and prior fieldwork and sales experience in Microfinance is an advantage.