A reputable and rapidly growing organization is seeking the services of smart, confident, performance oriented and experienced professionals to occupy the position of Loan Officer. RESPONSIBILITIES AND TASKS:
Promotion of all PASL products and origination of new clients
- Build and maintain portfolio of quality clients rapidly and consistently to reach target portfolio within assigned period.
- Liaise with community organizations, business associations, and individual entrepreneurs;
- Implement promotion campaigns and information sessions
- Identify potential clients;
- Sensitize potential clients on all aspects of the loan program: procedures to apply, the terms and conditions, the incentives for good performance, and penalties for late repayment and default.
- Develop an accurate evaluation of each client’s capacity and willingness to repay the requested loan.
- Correctly complete loan application and evaluation forms;
- Arrange and undertake business site visits;
- Verify and cross-check all information relevant to the loan application and evaluation;
- Evaluate the willingness and capacity to repay of the client;
- Ensure an appropriate guarantee is in place and documented;
- Determine and present loan terms and conditions to credit committee.
- Participate in credit committees providing input on other members’ loan proposals;
- Prepare and present own loan proposals to credit committee.
- Develop relationship with each client to support the business success and cultivate loyalty.
- Monitor client business progress to identify any potential problems;
- Offer suggestions and referrals where appropriate and within company policy;
- Demonstrate a concern and build client rapport.
- Implement late repayment recovery procedures of the institution;
- Achieve and maintain targets on portfolio at risk and loan loss;
- Emphasize the importance of on-time repayment with clients;
- Monitor repayment reports daily and client behavior patterns.
- Become knowledgeable and known in the assigned geographic zone.
- Build rapport with community, business associations and leaders;
- Be known and visible in the community;
- Develop goodwill of community towards the institution.
- Provide support to peers and others within the institution in uplifting its values and policies.
- Efficiently and accurately complete all forms and administrative steps required to manage the portfolio and contribute to the smooth operation of the S&L.
- Train new Loan Officers and other staff members assigned by the Credit Department on PASL policies and procedures.
- Loan Officer must comply with all policies and procedures as specified in PASL manuals
Qualification
- A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields with numerate coursework.
- Experience of 1 to 2 years in individual lending and or banking operations in a bank or MFI.
- Honest, self – motivated and has desire to succeed
- Recent graduate or little prior work experience
- Willingness to work in the market areas and to develop an understanding of micro and small enterprises of Accra
- Willingness to work outside of Branch premises 70% of the time
- Understand the local area where they are working
- Speak local language(s)
- Strong interpersonal skills
- Able to develop strong financial analysis skills
- Able to assess character of potential clients
- Independent worker; honest
Please send your application and CV to hr@panafricansl.com Please include your telephone and e-mail contacts.
This job advertisement expires on the 4th November, 2024.
%20(1).png)
Vous avez des questions par rapport à cette offre ? Laissez votre préoccupation ici en commentaire.