Khen financial Services is one of the fastest growing micro-finance with presence on the copper belt and Solwezi, and wishing to extend its presence to other towns.

Responsibilities:

• Marketing of all KFS products and services to potential clients by using promotional tools and mechanisms approved by KFS.
• Responsible for full lending cycle of loan initiation, processing, monitoring and repayment.
• Select clients, provide detailed products and services information, conduct client evaluation, collect all the necessary documents and check their accuracy, present credit proposals at credit committees, and process loans documentation.
• Explain to clients all the details of the disbursement and repayment process.
• Conduct thorough analysis of each client payment capacity and willingness; evaluate the credit risk before Credit Committee.
• Actively work on maintaining clients’ repayment willingness.
• Fully responsible for all collections efforts regarding clients in his/her portfolio; daily monitor clients’ repayment, act immediately on loans in arrears according to lending policy, present all delinquent clients and recommend solutions to arrears committee, implement committee’s decisions.

EDUCATION AND EXPERIENCE

• College Diploma in Banking and Finance, Business Administration, Economics or any other relevant Business-Related Diploma
• Experience as in Sales and Marketing more especially in the Micro finance Sector.
• Working in a client-facing sales role, in educational profession is highly desired.
• Basic mathematics and analytical skills required, writing, reading and comprehension skills, attention to details.
• Strong customer orientation.

COMPETENCIES

• Analytical
• Problem Solving
• Technical Skills
• Interpersonal Skills
• Motivation
• Planning/Organizing
• Quality

LANGUAGE SKILLS

• English and any local language of the area in which the branch is located.

• Marketing of all KFS products and services to potential clients by using promotional tools and mechanisms approved by KFS.
• Responsible for full lending cycle of loan initiation, processing, monitoring and repayment.
• Select clients, provide detailed products and services information, conduct client evaluation, collect all the necessary documents and check their accuracy, present credit proposals at credit committees, and process loans documentation.
• Explain to clients all the details of the disbursement and repayment process.
• Conduct thorough analysis of each client payment capacity and willingness; evaluate the credit risk before Credit Committee.
• Actively work on maintaining clients’ repayment willingness.
• Fully responsible for all collections efforts regarding clients in his/her portfolio; daily monitor clients’ repayment, act immediately on loans in arrears according to lending policy, present all delinquent clients and recommend solutions to arrears committee, implement committee’s decisions.

• Analytical
• Problem Solving
• Technical Skills
• Interpersonal Skills
• Motivation
• Planning/Organizing
• Quality
• Basic mathematics and analytical skills
• Writing, reading and comprehension skills
• Attention to details
• Strong customer orientation

• College Diploma in Banking and Finance, Business Administration, Economics or any other relevant Business-Related Diploma
• Experience as in Sales and Marketing more especially in the Micro finance Sector.
• Working in a client-facing sales role, in educational profession is highly desired.