Loans Officers (Accounts Relations Officers)

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.

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Loans Officers (Accounts Relations Officers)