UMINO Community Loan Services is a private company limited by shares that provides financial services to rural parts of Zambia. UMINO is an acronym derived from ‘UMoyo wa bwINO’, which means a ‘good life’, and provides Small and Medium Enterprise (SME) loans.

UMINO provides loans to Small and Medium Enterprises (SMEs) in eastern Zambia, including Lusaka Province, and now in the Central Province. UMINO currently has about 4000 SME clients located in ten (14) districts, namely Rufunsa, Luangwa, Nyimba, Petauke, Sinda, Katete, Lundazi, Lumezi, Chadiza, Vubwi, Chongwe, Kafue and Mumbwa.

UMINO’s vision is to be Zambia’s most entrepreneurial, impactful and sustainable rural financing organisation.

UMINO’s mission is to identify and empower entrepreneurial rural Zambians to start & grow businesses by offering

a) access to financing,

b) business education& advice and

c) business connections to clients and others

JOB OVERVIEW

The loan officer will be responsible for receiving loan applications, assessing business plans, and conducting follow up visits with clients. Additionally, the loan officer will be required to compose weekly working plans and any other duties assigned by supervisor.

JOB REQUIREMENTS

• Ability to ride or learn how to ride a motorbike is a must.
• Full Grade 12 Certificate with credits in English and Mathematics.
• Minimum qualification – Tertiary education in either Business studies or Agric related courses
• Attention to detail is a must.
• Trustworthy, Self-motivated and can work under minimal supervision.
• Very high reliability, integrity, and efficient working style
• Basic knowledge in operating Microsoft office package tools
• Good spoken English and interpersonal skills.

PRIMARY RESPONSIBILITIES:

• Creates and manages own loan portfolio.
• Marketing and selling company products and services to customers.
• Loan assessment based on the UMINO guidelines.
• Present supportable business ideas with a proper and complete loan proposals to the Branch Manager
• Client monitoring by conducting regular on-site visits as per guidelines.
• Coaches loan receivers and evaluates business activity along the on-site visits.
• Writing weekly reports
• Keeps Branch Manager updated regarding performance of his/her loan portfolio, so that possible problems can be tackled pro-actively.
• The Loan Officer reports to the Branch Manager on a day-to-day basis.

• Creates and manages own loan portfolio.
• Marketing and selling company products and services to customers.
• Loan assessment based on the UMINO guidelines.
• Present supportable business ideas with a proper and complete loan proposals to the Branch Manager
• Client monitoring by conducting regular on-site visits as per guidelines.
• Coaches loan receivers and evaluates business activity along the on-site visits.
• Writing weekly reports
• Keeps Branch Manager updated regarding performance of his/her loan portfolio, so that possible problems can be tackled pro-actively.

• Ability to ride or learn how to ride a motorbike
• Attention to detail
• Trustworthy
• Self-motivated
• Ability to work under minimal supervision
• High reliability
• Integrity
• Efficient working style
• Basic knowledge in operating Microsoft office package tools
• Good spoken English
• Interpersonal skills

• Full Grade 12 Certificate with credits in English and Mathematics.
• Tertiary education in either Business studies or Agric related courses