3 Loans Officer Job Opportunities – Hofokam Ltd
Hofokam Ltd
Lokasi pekerjaan
Fort Portal
Status Pekerjaan
Waktu penuh
Detail Pekerjaan
Job Summary:
As a Loans Officer, you will be acting as a liaison between our financial institution and our clients. You will help appraise and evaluate potential clients in a timely and hassle-free manner. You should possess amazing communication skills to explain the loan application process to the desired applicants in a simple way.
Key Duties and Responsibilities:
Market Products
• Develop marketing and work plans for the promotion and establishment of a solid clientele base.
• Identify and sensitize potential clients in the respective area of operation.
• Assess customer needs, explore all options and introduce different types of loans.
• Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
Mobilize and retain groups.
• Mobilize groups for the purpose of lending to them.
• Train identified group members in the Hofokam Lending methodology.
• Analyse loan applicants financial status, credit, and collateral evaluations to determine feasibility of granting loans.
Process loan applications.
• Evaluate, and assess the credit risk of individual clients and groups by inspecting business and household of potential clients, appraise clients business and repayment capability before disbursing loans.
• Generate and submit on time accurate documentation to enable loans to be disbursed.
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines.
• Maintain complete and accurate loan documentation in the office and supervise the maintenance of group record keeping process.
Monitor Business loans /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.
Collection and Recovery of loans.
• Follow up with group executives to recover loans of group clients in arrears.
• Participate in branch arrears management meetings.
• Take individual action as per policy to recover delinquent loans.
Portfolio Management and performance
• Prepare and submit timely reports on the number of clients, repayments, portfolio quality, loan recoveries and follow-up action on delinquent loans.
Client Relationships.
• Maintain the company standard customer service while interacting and engaging with clients.
• Provide advice to clients on borrowing and loan management.
• Maintain constant communication with clients and assigned groups.
• Ensure and increase client satisfaction in line with the core values of the institution.
• Go the extra mile to build trust relationships, customer loyalty and satisfaction throughout the loan underwriting process.
Qualifications, Skills and Experience:
• The ideal applicant must hold at least a Bachelors degree in Marketing/Accounting/Finance/Banking/Community Development or related qualification.
• At least one year experience in credit specifically Group Lending.
• Ability to effectively promote and sell the Institutions products/services;
• Planning and organizing skills;
• Training and development skills;
• Excellent communication and interpersonal skills;
• Microsoft Office skills of word and Excel;
• Ability to work under pressure;
• Ability to form teams which can work together.
• Excellent public relation skills;
• Basic entrepreneurial skills and problem-solving skills;
• A team player who is also able to work independently;
• Monitoring and evaluation skills;
• Customer-oriented;
• Integrity and professional ethics;
• MUST be in position to ride a motorcycle and possess a valid riding permit.
• Age: - years of age.
Salary:
The salary to be paid is in line with Hofokam salary structure for the Loans Officer
