Credit Officer at Workforce Africa

Roles and responsibilities

• Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.
• Collecting the needed financial documentation and assessing the clients' creditworthiness.
• Calculating and analyzing the risk ratios of clients based on their credit score and financial history.
• Analyze and verify applicant’s financial status, personal and business information to determine feasibility of granting loans.
• Ensure efficient and prompt recovery of loans disbursed and interest accrued.
• Negotiate payment arrangements with customers who have delinquent loans.
• Maintain clear customer records, recording times and dates that contact has been made and noting information that customers have received about the organization’s products.
• Supply the business with reports on customer needs, problems, interests, competitive activities, and potential for new products and services.
• Handle customer complaints and take appropriate action to resolve them.
• Prepare monthly financial statements, reports and records by collecting, analysing and summarizing account information
• Maintain and reconcile bank accounts on regular basis.

Qualifications

• Bachelor’s degree in finance, banking, economics, statistics, business administration, accounting or any other related field.
• More than 2 years in the relationship officer in a MFIs would be the most favorable.
• Must have had experience in a micro finance setup dealing with Logbook loans
• Must be fully aware of the Loan process of a Logbook Loan
• Applicants must be a closer person (able to convince and close a sale)
• Good communication skills
• Good interpersonal skill.
• Able to work well in a team