Loan Officer at Fina Trust Microfinance Bank

Responsibilities

• Prospection and evaluation of the Client
• Verification of prospective clients' and guarantors' houses and businesses.
• Evaluating creditworthiness by processing loan applications and loan documents for the credit committee.
• Analyse financial data of clients’ businesses.
• Analysis of quantitative and qualitative data of client business and household.
• Complete all loan contracts and enlighten clients on banks' policies and restrictions.
• Disbursement target for each month must be achieved.
• Pre-disbursement and Post disbursement follow-up must be ensured to detect early cash diversion from clients.
• All funds disbursed must be fully recovered.
• Ensure that Portfolio At Risk (PAR) is always at low as possible.

Secondary Responsibilities

• Develop referral networks, suggest alternate channels, and cross-sell products and services to accommodate quotas.
• Assess customer needs, explore all options, and introduce different types of loans.
• Build trust relationships, customer loyalty, and satisfaction.
• Operate in compliance with the bank’s laws and regulations.
• Strict adherence to lending compliance guidelines.