Loan Processing Officer at Eden Solutions and Resources

Purpose of Role

• This role is to support the Operations department. The company requires a graduate with strong analytical and excellent customer service skills. Other skills include accuracy, understanding & following standard accounting procedures, attention to detail, good communication skills and good knowledge of word processing, Spreadsheet, database, and internet & email software. He/She will be supporting the Chief Operating Officer (COO) in the processing and booking of quality loans and management of client relationships in order to meet the company’s overall objectives.
• This is an excellent opportunity for a highly analytical self-starter with strong presentation and communication skills to join a high-profile organization during a period of positive change, reporting directly to the COO.

Primary Responsibilities of the Role

• Supporting the COO by reviewing the completeness of the Loan applicants’ financial status, references, credit history, guarantors, and other legal documents and also evaluating their ability to repay the Loan.
• Supporting the COO by ensuring that all necessary documentation are in place and all conditions precedent to drawdown are met before the loan in booked in the system.
• Supporting the COO to meet all onboarding KYC and on-going KYB requirements in a timely manner and in line with the Company’s policies and procedures.
• Endure appropriate interest rate and charges are taken prior to the booking of the loan.
• Preparation and timely delivery of Loan statement credit applications with detailed financial analysis using correct data points for new and existing relationships.
• Working to a high degree of accuracy to avoid operational errors/losses and customer complaints
• Supporting the COO with day-to-day management of client relationships and facilities, including but not limited to covenant monitoring, transactions monitoring, implementation of facility and compliance terms and conditions and other related tasks as directed by the COO
• Producing high quality presentations and reports to support the Department’s strategy.
• Efficiently handling all Customers’ queries, ensuring that client product needs and services are met.
• Supporting the COO on other tasks as required towards the achievement of the compnay’s Budget and ensuring Zero NPLs.

Individual Conduct Rules

• Rule 1: He/She must act with integrity.
• Rule 2: He /She must act with due skill, care and diligence.
• Rule 3: He /She must be open and cooperative with the other Staff and management of the company.
• Rule 4: He/She must pay due regard to the interests of customers and treat them fairly.
• Rule 5: He/She must observe proper standards of market conduct

Competence Requirements:
Professional/Academic Qualifications:

• Strong Bachelor’s Degree or equivalent qualification in Finance, Economics, Banking or Mathematics.

Experience / Knowledge:

• Minimum of 3 years relevant banking experience (Credit Risk, Financial Analysis or Middle Office)
• Good understanding/knowledge of Structured Trade Finance and/or Trade Finance and/or Corporate Lending products
• Good level of business acumen and commercial awareness, including awareness of economic, cultural and regulatory issues within the banking environment
• Strong credit assessment skills, particularly with regard to more complex and structured facilities with an international dimension
• Good level of understanding of regulatory matters with respect to Customer Due Diligence (CDD)/Know Your Customer(KYC)
• Previous experience working in the African market is highly advantageous
• Financial modelling skills is essential

Interpersonal Skills:

• Ability to interact with customers across all levels
• Excellent interpersonal skills and ability to interact and build relationships with internal and external stakeholders
• Excellent range of communication skills, including written, and verbal, and the ability to deliver compelling presentations
• Strong analytical skills

Languages:

• Excellent verbal and written communication skills in English
• Fluency in any local language is highly desirable