Share Wealth (Zambia) Limited
Job brief
We are looking for a Field Loan Officer to evaluate, authorize approval or deny loan applications for people or for business. You will act as liaison between customers and our financial institution and you will help qualified applicants acquire loans in a timely manner.
Responsibilities
- Evaluate credit worthiness by processing loan applications and documentation within specified limits.
- Interview applicants to determine financial eligibility and feasibility of granting loans.
- Regularly visit the customers’ business and home to establish initial and continual eligibility
- Determine all applicable ratios and metrics and set up debt payment plans.
- Communicate with clients either to request or to provide information.
- Justify decisions (approvals/rejections) and report on them.
- Complete loan contracts and counsel clients on policies and restrictions.
- Update job knowledge on types of loans and other financial services.
- Maintain and update account records, including customer growth potential
- Assess customer needs, explore all options and introduce different types of loans.
- Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas.
- Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process.
- Οperate in compliance with laws and regulations and adhere to lending policy guidelines.
Requirements
- Willingness to move around markets connecting with clients.
- Familiarity with computers and banking applications/software.
- Solid understanding of direct/indirect lending products and practices.
- Excellent communication and interpersonal skills.
- Customer satisfaction orientation and sales competencies.
- Ability to work in a goal oriented environment.
- A minimum of a Grade 12 certificate.
Method of Application
If you fit the outlined criteria, please send your Curriculum Vitae and a supporting letter to: [email protected]