Loan (Relationship) Officer - Luanda & Kapenguria at Brites Management

DUTIES AND RESPONSIBILITIES

• Build and nurture strong, trusting relationships with clients.
• Conduct regular follow-ups to assess client satisfaction and address any concerns.
• Identify opportunities to offer additional services that meet clients' financial needs.
• Gather and verify necessary documentation from clients for loan applications.
• Conduct thorough assessments of clients’ creditworthiness and repayment capacity.
• Prepare loan proposals and present them to the credit committee for approval.
• Actively seek out new clients through community outreach, networking events, and referrals.
• Conduct presentations and workshops to promote financial literacy and loan products.
• Monitor market trends and competitor offerings to identify opportunities for growth.
• Provide clients with insights on financial products and services that align with their goals.
• Educate clients about the implications of borrowing and the importance of timely repayments.
• Assist clients in developing personal financial plans that enhance their financial stability.
• Ensure adherence to all organizational policies, regulatory guidelines, and lending standards.
• Maintain accurate records of client interactions, loan applications, and transactions.
• Conduct regular audits of loan files to ensure compliance and risk management.
• Prepare comprehensive reports detailing loan performance, client feedback, and market dynamics.
• Present findings to management to inform strategic decision-making.
• Track personal performance metrics and contribute to overall team objectives.

KEY REQUIREMENT SKILLS AND QUALIFICATION

• Degree or Diploma in any field.
• Minimum of 2 years of experience as a Loans or Relationship Officer in a Sacco, Microfinance Institution (MFI), or Bank.
• Proven track record of meeting or exceeding loan targets.
• Strong interpersonal and communication skills to build rapport with clients.
• Proficiency in financial analysis and understanding of credit policies.