Field Officer

Responsibilities:

• Promote and market the institution’s loan products to potential clients.
  
• Conduct community outreach and group formation where applicable.
  
• Educate clients on loan procedures, requirements, and repayment terms.
  
• Collect and verify client information and business details.
  
• Conduct field visits and evaluate clients’ business capacity and creditworthiness.
  
• Prepare accurate loan appraisal reports and make recommendations to the credit committee.
  
• Ensure proper documentation of loan applications and agreements.
  
• Facilitate loan disbursement in compliance with MFI policies and procedures.
  
• Maintain up-to-date records of client loan files.
  
• Regularly visit clients to monitor business performance and repayment progress.
  
• Track and follow up on due and overdue loans to ensure timely repayment.
  
• Implement recovery strategies for delinquent loans and maintain portfolio at risk within acceptable limits.
  
• Prepare daily, weekly, and monthly reports on loan activities and performance.
  
• Update client records and ensure data accuracy in the credit management system.
  
• Provide feedback and insights to management on market trends and client needs.
  
• Maintain good relationships with clients through continuous engagement.
  
• Handle client inquiries and complaints professionally.
  
• Promote financial literacy and responsible borrowing among clients.

Requirements:

• Minimum of OND / HND / B.Sc. in Business Administration, Banking & Finance, Economics, or related fields.
  
• 1–3 years’ experience in credit operations, preferably in a Microfinance Institution.
  
• Good analytical, communication, and interpersonal skills.
  
• Proficiency in MS Office and basic loan management software.
  
• Ability to work independently and meet targets.
  
• Strong fieldwork orientation and familiarity with the local business environment.