Job Title: Loans Officers (Accounts Relations Officers)
Job Description
To develop and maintain a quality loan portfolio at the respective branch and to administer other financial services as available
Major Areas of Responsibility:
I. Sell of all financial products.
- Develop marketing and work plan for the establishment of solid clientele base.
- Identify and sensitize the potential clients in the respective area of operation.
- Use the company lending Methodology to sell the products.
- Refer clients that are illegible for other FINCA products to the respective departments.
II. Mobilize and retain groups.
- Mobilize groups for the purpose of lending to them.
- Train of group members in the FINCA Lending methodology.
- Guide, monitor, and supervise SGL activities in line with SGL policy and procedure manual.
III. Process loan applications.
- Evaluate and assess the credit risk of individual clients and groups by inspecting business and household of potential clients, appraise client’s business and repayment capability before disbursing loans.
- Generate and submit on time accurate documentation to enable loans to be disbursed.
- Maintain complete and accurate loan documentation in the office and supervise the maintenance of group record keeping process.
IV. Monitor loan/group performance.
Attend group meetings as required by methodology.
Supervise groups to ensure timely repayments, attendance of meetings, update of group records.
Maintain group cohesion.
Make recommendations on improvement of products to branch management.
V. Recover loans.
Follow up with group executives to recover both internal and external arrears.
Participate and/or hold cluster meetings.
Take individual action as per policy to recover delinquent loans.
VI. Report on the portfolio performance.
Prepare and submit reports on the number of clients, repayments, portfolio quality, loan recoveries and follow-up action on delinquent loans.
VII. Manage client relationships.
Maintain the company standard customer service in all group members.
Provide advice to clients on borrowing and loan management.
Maintain constant communication within assigned groups.
Ensure and increase client satisfaction without threatening performance goals.
PERSONNEL SPECIFICATIONS:
Education:
Diploma in commerce/accounting/banking or related qualification.
Language:
English
Language of the area in which the branch is located.
Experience:
None.
Functional skills:
Ability to effectively sell FINCA products/services.
Business management skills.
Credit analysis skills.
Abilities to form teams which can work together.
Excellent public relation skills.
Well-developed ability to work and communicate.
Ability to promote, organize, and maintain groups.
Observations skills.
Managerial/professional skills:
Planning and organizing skills.
Excellent communication and interpersonal skills.
A team player who is also able to work independently.
Good problem-solving skills
Good negotiation skills.
Customer-oriented.
Social consciousness.
Integrity and professional ethics.
How to Apply
Follow this link to Apply : http://fincaug.simplicant.com/job/apply/7331-loans-officers-accounts-relations-officers
