Background information about the job or company (e.g., role context, company overview)

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

Responsibilities or duties

The Business loan officer will be responsible for:

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.

Qualifications or requirements (e.g., education, skills)

College Diploma in Banking and Finance, Business Administration, Economics or any other relevant Business-Related Diploma

Experience needed

Experience as a Sales and Marketing

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.

Any other provided details (e.g., benefits, work environment, team info, or additional notes)

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.

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

• College Diploma in Banking and Finance, Business Administration, Economics or any other relevant Business-Related Diploma
• Experience as a Sales and Marketing
• Working in a client-facing sales role, in educational profession is highly desired.
• English and any local language of the area in which the branch is located.