Jobs at Morsan HR Consulting

Key Responsibilities:

• Assess loan applications and determine the level of risk involved.
• Analyze client financial statements, cash flows, and repayment capacity.
• Evaluate and verify collateral/security provided (e.g., vehicle logbooks, assets).
• Determine appropriate loan amounts based on risk exposure and repayment ability.
• Provide recommendations to the Credit Committee regarding loan approvals or declines.
• Develop and implement risk assessment frameworks and credit policies.
• Monitor loan performance and repayment trends.
• Identify early warning signs of default and recommend corrective actions.
• Conduct periodic portfolio reviews and risk analysis.
• Detect and investigate fraudulent loan applications or suspicious transactions.
• Ensure proper documentation and compliance with internal and regulatory standards.
• Work closely with the collections team to manage delinquent accounts.
• Prepare risk reports for management and board review.
• Conduct branch audits to ensure adherence to credit policies.
• Train staff on risk management and fraud detection measures.

Key Performance Indicators (KPIs):

• Portfolio at Risk (PAR) ratio.
• Default rate.
• Recovery rate.
• Fraud detection and prevention metrics.
• Compliance with risk policies.

Minimum Qualifications & Experience:

• Bachelor’s Degree in Finance, Economics, Accounting, Business, or related field.
• Professional certification in Risk Management, CPA, ACCA, or related qualification is an added advantage.
• Minimum 3–5 years’ experience in credit analysis or risk management in microfinance or banking.
• Strong analytical and financial assessment skills.
• Experience in collateral verification and loan monitoring.
• Ability to detect fraudulent documentation and suspicious behavior.

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Key Responsibilities:

• Identify, source, and recruit new clients interested in logbook loans.
• Market and sell logbook loan products to individuals and SMEs.
• Explain loan terms, interest rates, repayment schedules, and conditions clearly to clients.
• Conduct preliminary client assessments and collect required documentation.
• Build and maintain strong client relationships to encourage repeat business and referrals.
• Follow up on prospective clients and convert leads into approved loans.
• Ensure proper KYC documentation and compliance with internal policies.
• Monitor client repayments and follow up on overdue accounts in coordination with the collections team.
• Achieve monthly sales and portfolio growth targets.
• Maintain accurate records of client interactions and pipeline.
• Provide market intelligence and competitor feedback to management.
• Participate in marketing campaigns, activations, and field visits.
• Ensure excellent customer service before, during, and after loan disbursement.

Key Performance Indicators (KPIs):

• Number of new logbook loans booked.
• Loan portfolio growth.
• Portfolio at Risk (PAR) within acceptable limits.
• Client retention and repeat business rate.
• Revenue generation targets.

Minimum Qualifications & Experience:

• Diploma or Degree in Business Administration, Marketing, Finance, or related field.
• At least 1–3 years’ experience in microfinance or logbook loan sales.
• Strong negotiation and persuasion skills.
• Excellent communication and relationship management skills.
• Ability to work under pressure and meet targets.
• Knowledge of microfinance regulations and lending procedures.