Major Responsibilities
Promotion & Marketing
Assists in conducting market research and survey activities;
Solicits new loan accounts in accordance with specific periodic performance targets prescribed in the branch business plan;
Conducts active marketing campaign to attract new clients;
Orients prospective clients about Vision Fund MFI products;
Assists the branch manager in preparing annual plans and budget
Manage loan and saving process
Receives loan applications and perform credit appraisal on loan applicants and his/her surety/ guarantor, if any;
Conducts inspection and/or appraisal of any property being offered as collateral;
Prepares and presents credit applications to the branch credit committee for approval and arrange venue for loan;
Prepares schedules and disburses loans and collects repayments
Daily handover all collected cash to the teller/cashier
Assess client history & performance to recommend for repeat loan
Manage loan process
Receives family loan applications and perform credit investigation on loan applicants and his/her surety/ guarantor, if any;
If necessary, conducts inspection and/or appraisal of any property being offered as collateral;
Prepares and presents credit applications to the branch credit committee for approval;
Prepares schedules and disburses loans and collects repayments from consumer clients
Assesses client history & performance to recommend for repeat loan
Manages portfolio quality
Closely monitors loan payments and ensures zero tolerance against past due;
Effectively negotiates with clients in arrears
Undertakes timely follow up and analysis of past due loans and proper documentation there of
Assists other loan officers in managing delinquency crisis
Qualification and Technical Skill Required
10+2/TVET+1+2, Diploma related social science fields
Practical credit or related work experience is advantageous
Capability and willingness to take responsibility and highly developed sense of rectitude
Ready to comply and live up to and in accordance with the organization Ideals and Core Values
Good analytical and problem solving skills
Computer literacy and motorbyc driving License is advantageous
Place of Work: Mehalmeda Branch
Terms of Employment: Permanent