Senior Investment Officer - Maban at Inkomoko

About the Opportunity

Inkomoko Senior Investment  Officer is responsible for the items below:

Responsibilities

Management (20% time)

• Coordinate loan officer's staff in Inkomoko South Sudan, setting their work plans, and maintaining weekly staff check ins.
• Be aware at all times of key goals and develop daily strategies to achieve those goals in alignment with budget and culture.
• Work with Loan manager and Portfolio Director to plan and manage the budget, staffing, and Other resource needs to deliver program outcomes.
• Interpret, apply, and ensure departmental compliance with applicable donors and local policies, laws, and regulations.
• Ensure all staff under your supervision are compliant with organizational HR policies, credit policy and implement disciplinary actions when they are not.
• Be a good ambassador in ensuring the organizational culture is understood and followed through by all staff under your supervision.
• Represent the company in a highly professional manner in stakeholders' and government meetings and events in the absence of a Loan manager.
• Acting the loan manager in her absence.
• Elevate important trends, risks, and other notable activities to management.

Due diligence and Contracts preparation (40%)

• Respond to inquiries from prospective borrowers, support them to apply for our loan products.
• Introduce the loan products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing.
•  Introduce the loan products to SMEs, Refugees and host community entrepreneurs,
• Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Associate, etc.
• Communicate all materials to the Loan manager and Portfolio Director, and assist in preparing credit reports for Investment Committee meetings.
• Take photos of entrepreneurs, have them sign photo waivers, and post their stories on Kiva platform.

Portfolio management (20%)

• Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships With borrowers.
• Work with Inkomoko to ensure borrower success, and Visit clients for monitoring.
• Track information about borrowers and communicate effectively with key stakeholders about client Status. Actively participate as a key staff in the weekly Portfolio Review Meeting.
• Maintain a tracking system of borrower payments and contact information.
• Interact with government leaders, cot.Jrt system, refugees and host communities' stakeholders and others for follow up on lack of payments.
• Work with the Finance & Admin Director/Accountant to reconcile the lending transactions.
• Ensure that we are adhering to the requirements of our Kiva, CRB and other regulatory entities.
• Detailed knowledge of lending products
• Other duties as assigned by supervisor

Loan Management System (20%  time)

• Maintain and demonstrate proficiency with loan software applications
• Work with system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance
•  Assist with system parameters and design to meet the needs of multiple departments.
• Manage user security access.
• Direct loan input (system boarding) and verification procedures for all loans.
• Ensure proper segregation of duties, develop and maintain work flows for all stages Of loan input.
• Advise the Management team how to automate key lending processes.
• Supervise all aspects of the loan operations. This supervision includes posting of payment, payoffs, and balancing, disbursing loan funds.
• Ensure lending staff is provided with updates and procedural changes.
• Participates in the review and recommendations of operational systems and procedures.
• Successfully interact with lending staff to improve accuracy and efficiencies of Loan management system        
• Other duties as assigned by supervisor.

Minimum Qualifications

The Senior Investment Officer will be a trusted partner of Inkomoko clients, and basic qualifications

Include:

• University degree in Finance or other related field,
• Must speak fluent English and South Sudanese Arabic. Knowledge of other local languages is a plus,
• 3+ years of work experience in relevant or applicable field,
• Experience in group savings and group lending investments is preferred,
• Strong financial and accounting skills; familiarity with business financial policies in South Sudan
• Experience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferred,
• Prior experience dealing with customers/debt,
• Prior experience in a lending environment,
• Experience providing business advice to entrepreneurs,
• Prior experience in Investment management system software,
• Decisive individuals with ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors pay off the entire debt,
• Experience in managing difficult clients and reaching positive outcomes,
• Very strong attention to details and good follow through,
• Comfort with the civil court system, and previous experience in litigation preferred,
• Unrelenting perseverance, personal integrity, and critical thinking skills.