Sales Associates at Credit Direct Limited

Job Summary

• We are looking for a Loan Officer to evaluate, authorize approval or deny loan applications for people or for business.
• You will act as liaison between customers and our organization, and you will help qualified applicants acquire loans in a timely manner.

Requirements

Job Responsibilities

• Evaluate credit worthiness by processing loan applications and documentation within specified limits
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine all applicable ratios and metrics and set up debt payment plans
• Communicate with clients either to request or to provide information
• Justify decisions (approvals/rejections) and report on them
• Complete loan contracts and counsel clients on policies and restrictions
• Update job knowledge on types of loans and other financial services
• Maintain and update account records
• Assess customer needs, explore all options, and introduce different types of loans
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
• Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines

Job Requirement

• Proven working experience as a Sales 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
• BSc. degree in finance, marketing, economics, or a related field
• Excellent communication, influencing and negotiation skills

Person Specification

• Results-orientated and pragmatic with exceptional quantitative and analytical ability and attention to detail
• Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities
• High level of integrity and dependability with a strong sense of urgency.
• A focus on execution. Willing and able to get hands dirty.
• Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method and outcomes yourself
• Ability to create effective working partnerships with senior leaders, challenge the thinking of others in respectful and thoughtful ways, influence upwards.
• Big picture thinker, a “never settle’ mindset.