The Credit Officer through teamwork will effectively handle credit function operations in order to ensure a profitable line of business and a quality loan book, while reporting to the Business development manager.
Credit & Loan Officers Job Responsibilities
Foster business growth objectives
Recruitment of new clients
Risk Management: Credit risk analysis and evaluationUndertake credit appraisal to vet all credit proposals
Sound understanding of lending in microfinance industry.
Ensure all amounts disbursed are collected by the due date.
Monitoring and administration of credit performance through reports
Ensure Compliance with Credit policies and procedures
Work hand in hand with Realtime credit team to source for new business
Relationship Management
Branch support and Carry out inspection on credit/lending issues
Qualification for the Credit & Loan Officers Job
Diploma/degree in business/BCom/Finance/Social Science related field
Lending and relationship management experience to create a balance between credit risk and customer service
At least three (3) years’ experience in a credit function of a financial institution handling Micro and SME clients.
Have an excellent interpersonal, organizing and people management skills.
Excellent communication and presentation skills, with outstanding reporting skills.