Latest Jobs at Mwananchi Credit Limited

Job Summary

Working closely with the Branch Manager the job holder will ensure implementation of sales & business growth strategies and at the same time ensure quality of the loans portfolio. He/she will identify business growth opportunities, acquire clients in area of jurisdiction, manage daily utilization towards future lending and build a sizeable portfolio in loans and ensuring excellent client experience.

Key Measurable Goals

• Achievement of quality portfolio.
• PAR management 0 – 30 days.
• Client acquisition, increase rate of individual loan uptake and relationship management.
• Increase revenues through cross selling of other products
• Increase profitability of branches through enhanced relationship building, loan collection follow ups thus increasing branch revenues in comparison to expenditure and reduced provisioning for bad book.
• Active disbursement Mobilization to meet set targets.

Qualifications

• Education: Diploma in any business related course
• Knowledge and Skills: Business management skills, Credit management skills Supervisory skills
• Experience: At least 2 years as a Relationship Officer
• Personal Attributes: Good communication and interpersonal skills, Team leader/player.

Responsibilities

• Proactively market and generate business through Individual and SME client recruitment on disbursement.
• Undertake regular calls and visits to customers to ensure effective relationship management.
• Maintain up to date records of all customer visits for all customers.
• Cross sell all products and services to both existing and potential clients.
• Business growth initiatives including marketing activities, new business sign ups, new partnerships etc.
• Prepare credit appraisals, analysis and present to the Branch Credit Committee meetings for further review & recommendations.
• Adhere to current procedures, processes, memos and circulars as may be issued from time to time.
• Address all customer queries within stipulated Service Level Agreements (SLAs).
• Monitor the portfolio quality on daily basis and proactively institute remedial actions.
• Maintain sound relationships with all clients.

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Job Summary

Responsible for business development through marketing and recruiting of customers, processing and disbursement of loans and ensure timely collection of the same to ensure healthy portfolio and a happy and satisfied customer base.

Qualifications And Competencies:

• Diploma in Business related courses from a recognized
• Knowledge in Sales and Marketing, credit risk management, credit lending, as well as relevant experience in the Banking/Microfinance sector will be an added advantage.
• Proficiency in computers is mandatory.
• Ability to analyze and interpret financial statements
• Clear understanding of Microfinance industry is an added advantage.
• Good interpersonal & communication skills with excellent customer service.
• A team player with the drive to improve performance.
• Persuasive with strong recognition skills,
• Self-driven and possess the ability to work with minimum supervision
• Ability to work independently under minimum supervision.

Responsibilities

• Responsible for Marketing of Micro finance products and services
• Responsible to evaluate clients’ businesses/Finances and determine whether they are worth the amount applied for
• Responsible for client evaluations and loan processing.
• Responsible for preparation and submissions of timely daily, weekly, monthly and quarterly reports as per the requirements.
• Responsible for recording, verifying and assessing the security offered for loans with assistance of the Branch Manager
• Ensure client retention through excellent customer service