Job Summary

We are seeking a motivated and results-driven Loan Officer to support lending operations, client acquisition, portfolio management, and debt recovery activities. The successful candidate will play a key role in growing the loan book, managing customer relationships, conducting field assessments of potential MOU companies, and ensuring effective collections.

This is a field-intensive role requiring discipline, strong communication skills, and a proactive approach to sales and credit management.

Key Responsibilities

1. Loan Origination & Client Acquisition

• Identify and recruit new clients for loan products
• Market and promote company lending products and services
• Build and maintain strong client relationships
• Conduct regular field visits and customer engagement activities

2. Field Assessments & MOU Company Evaluations

• Conduct field assessments of potential MOU companies and employers
• Verify business legitimacy, operations, and employee structures
• Assess risk profile and suitability for partnership agreements
• Prepare structured assessment reports with recommendations
• Maintain proper documentation of all field visits and findings

3. Loan Processing & Credit Assessment

• Assist clients with loan applications and required documentation
• Conduct preliminary affordability and credit assessments
• Verify client information and repayment capacity
• Ensure completeness of loan files before submission for approval

4. Portfolio Monitoring & Collections

• Monitor repayment performance and loan portfolio quality
• Follow up on overdue accounts via calls and field visits
• Conduct professional debt recovery and collections activities
• Negotiate repayment plans with delinquent clients
• Maintain low arrears and strong portfolio health

5. Customer Service & Relationship Management

• Provide ongoing client support and guidance
• Handle client queries and complaints professionally
• Educate clients on loan terms, obligations, and repayment discipline

6. Reporting & Documentation

• Maintain accurate records of field activities and client interactions
• Prepare daily, weekly, and monthly performance reports
• Ensure confidentiality and proper filing of customer information

7. Compliance & Risk Management

• Adhere to all company lending policies and procedures
• Ensure compliance with KYC and documentation standards
• Identify and report suspicious or fraudulent activities

Qualifications

• Grade 12 Certificate
• Diploma or Certificate in Banking, Finance, Business Administration, Marketing, or related field is an added advantage

Experience

• Experience in sales, collections, customer service, or microfinance is an advantage
• Recent graduates with strong drive and discipline are encouraged to apply

Skills & Competencies

• Strong communication and negotiation skills
• Sales-driven mindset with ability to meet targets
• Strong fieldwork and collections capability
• Good organizational and time management skills
• Basic computer literacy (MS Word, Excel, Email)
• High level of integrity, professionalism, and attention to detail

Working Conditions

• Field-based role with frequent travel within Kitwe and surrounding areas
• Regular engagement with clients and partner companies
• Performance-driven environment

Compensation & Benefits

• Competitive salary
• Performance-based incentives
• Career growth and development opportunities

• Identify and recruit new clients for loan products
• Market and promote company lending products and services
• Build and maintain strong client relationships
• Conduct regular field visits and customer engagement activities
• Conduct field assessments of potential MOU companies and employers
• Verify business legitimacy, operations, and employee structures
• Assess risk profile and suitability for partnership agreements
• Prepare structured assessment reports with recommendations
• Maintain proper documentation of all field visits and findings
• Assist clients with loan applications and required documentation
• Conduct preliminary affordability and credit assessments
• Verify client information and repayment capacity
• Ensure completeness of loan files before submission for approval
• Monitor repayment performance and loan portfolio quality
• Follow up on overdue accounts via calls and field visits
• Conduct professional debt recovery and collections activities
• Negotiate repayment plans with delinquent clients
• Maintain low arrears and strong portfolio health
• Provide ongoing client support and guidance
• Handle client queries and complaints professionally
• Educate clients on loan terms, obligations, and repayment discipline
• Maintain accurate records of field activities and client interactions
• Prepare daily, weekly, and monthly performance reports
• Ensure confidentiality and proper filing of customer information
• Adhere to all company lending policies and procedures
• Ensure compliance with KYC and documentation standards
• Identify and report suspicious or fraudulent activities

• Strong communication and negotiation skills
• Sales-driven mindset with ability to meet targets
• Strong fieldwork and collections capability
• Good organizational and time management skills
• Basic computer literacy (MS Word, Excel, Email)
• High level of integrity, professionalism, and attention to detail

• Grade 12 Certificate
• Diploma or Certificate in Banking, Finance, Business Administration, Marketing, or related field is an added advantage