Pagatech was founded in early 2009 with a vision to enable a cashless society and bank the unbanked in Africa. Our first product offering, Paga, is a direct to consumer mobile payments service. Paga is an innovative, open, secure, and interoperable mobile payments platform that allows any person who has a mobile phone to transact electronically - thus turnin...
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Relationship officers evaluate and authorize the approval of loans and are involved in the recovery of loans.
The ideal candidate for this role will have clearly demonstrated strong leadership skills, results orientation and be able to interpret the corporate vision into growth strategies and profitable operations.
RESPONSIBILITIES
Meet with loan applicants to identify their needs and collect information for loan applications.
Analyse active loan files on a regular basis and recommend solutions to speed up the loan process.
Complete loan contracts and teach clients on policies and regulations.
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 applicants' financial status, including credit history, debt-to-income ratio, and appraisal reports, to determine recommendation for loan approval.
Ensuring KYC is done on customers before onboarding
Visiting customers’ business premises and ensuring effective KYCB (Know your customer’s business) is done on potential customers of the bank.
Presents each customer’s loan status at every Portfolio review meeting.
Assist the recovery team in cases of default and monitor personal or team portfolio to ensure budgets are met.
Any other duties and responsibilities which may be required from time to meet the objectives of MMFB.
QUALIFICATIONS, SKILLS & COMPETENCIES
Minimum of 3 years’ work experience within the financial services industry, including proven extensive and relevant loan portfolio management experience.
Must be able to work in a high-velocity, high performance environment.
Ability to plan and prioritize workload and delegate accordingly.
Some knowledge of data analytics and reporting - excellent problem-solving skills; analytical and structured in his/her thinking.
Communication skills – verbal, non-verbal and written.
Self-starter and very organized, with strong attention to detail.
Extremely versatile, dedicated to efficient productivity and able to work efficiently and effectively across multiple teams.
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