Daily Loan Officers

Responsibilities:

• Prospect for and acquire new loan and savings clients within assigned markets.
• Receive and conduct a preliminary assessment of loan applications.
• Visit and verify clients’ businesses and residential addresses, as required.
• Assess clients’ businesses, cash flows, working capital, repayment capacity and creditworthiness.
• Verify guarantors and other information/documentation provided by applicants.
• Recommend appropriate loan amounts, tenors and repayment structures based on appraisal findings.
• Ensure that loans are properly documented and meet approved credit requirements before disbursement.
• Monitor clients after disbursement to ensure proper utilisation of loan proceeds.
• Follow up repayments proactively and take immediate action on missed or delayed instalments.
• Maintain a healthy portfolio and minimise Portfolio at Risk (PAR), delinquency and defaults.
• Mobilise deposits/savings and achieve assigned loan, client-acquisition and deposit targets.
• Maintain regular contact with clients and promote client retention and repeat business.
• Prepare and submit accurate daily, weekly and monthly performance reports.
• Escalate emerging credit risks, suspected diversion, fraud or other irregularities promptly.
• Participate actively in recovery efforts for delinquent and defaulting accounts.
• Maintain confidentiality, integrity, professionalism and ethical conduct in dealing with clients.
• Perform other credit, marketing and operational duties assigned by the Business Manager or Management.

Requirements:

• Minimum qualification of SSCE
• 1 year of previous experience in a similar role