Portfolio Officer at Neptune Microfinance Bank

Job Brief

• Portfolio Officer is responsible for underwriting, credit monitoring, and managing the Bank’s various loan portfolios to achieve efficiencies and quality of the process and related lending products and services.
• Sell loan products and meet loan production targets
• Perform business development tasks, including managing the pipeline by generating leads and referral business, and maintaining relationships with existing and past clients
• Meet and communicate with applicants to explain the risks and benefits, as well as the terms of loan products and government regulations
• Obtain relevant information and evaluate apllicants' financial status, including credit history, debt-to-income ratio, and appraisal reports, to determine recommendation for loan approval
• Ensure all necessary information and documentation is submitted
• Consistently deliver first-class customer service
• Follow up with customer on over due repayment (Recovery)
• Payments- to vendors, transfers to customers

Requirements and Skills

• BSc Degree in Finance, Economics or a related field
• 2 - 4 years work experience.
• Proven working experience as a Loan Officer
• Familiarity with computers and banking applications/software
• Solid understanding of direct/indirect lending products and practices
• Excellent communication and interpersonal skills
• Customer satisfaction orientation and sales competencies
• Ability to work in a goal oriented environment