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Credit Officer
Business Development Department, All Cities
Apply By Dec 21, 2020
Job Description (total positions: 35+, posted on: Nov 21, 2020)

  • The LO (CO) is an experienced Loan Officer responsible for the continued development, cultivation and growth of business lending for FINCA in the target market and region.
  • With minimal supervision, the LO is focused on community outreach in order to increase visibility of FINCA and originate quality loan applications.
  • The LO must be driven by the social mission of FINCA to provide credit and services to small businesses that do not have access to loans from commercial sources.
  • The LO works with internal staff and external customers to successfully generate quality business loans in their respective markets.
  • The position is directly responsible for business development and sales and will have specific lending goals to attain during each month.
  • To build a good rapport with clients to make repeat clients.
  • Assist RM/BM to follow up on delayed installments. To initiate collateral liquidation if a client defaults on a loan.
  • Assist RM/BM to prepare reports to send customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
  • The LO constantly examines and develops methods of increasing FINCAs market presence and production including new products.
  • The LO, as a front line employee, recommends ways to effectively and efficiently provide products and services to our clients to ensure customer satisfaction.
  • Also does cross selling of other FINCA products.
  • The LO is responsible for training, coaching and guiding ALOs (ACOs) and is an active participant in working groups and credit committees.
  • He/she will be responsible to training/coach min. one ALO.

Core Competencies:

  • Client focus.
  • Teamwork.
  • Communication.
  • Initiative.
  • Judgment & decision making.
  • Influencing/persuasiveness.
  • Problem solving.
  • Innovation.

Professional Training:

  • Negotiating skills.
  • Relationship.
  • Giving and receiving feedback.
  • Change management.
  • Business writing.
  • Communication skills.

Technical Training:

  • Financial ratios.
  • Cash flow.
  • Advanced business analysis.
  • Advanced interest calculation.

Accounting & imposition of tax.

Required Skills

Microfinance, Credit Evaluation, Credit Scoring, Credit Management, Credit Collection and Recovery, Credit Analysis,

Industry
Banking/Financial Services
Category
Accounts, Finance & Financial Services
Job Type
Full Time/Permanent ( First Shift (Day) )
Gender
No Preference
Minimum Education
Bachelors
Degree Title
Graduation preferably in Commerce.
Career Level
Entry Level
Minimum Experience
Fresh(Fresh or 0-1 years of relevant experience. Females are encouraged to apply.)