SME Loan Officer at Digitvant Microfinance Bank

• We are looking for a results-driven and customer focused SME Loan Officer to join our team and play a key role in supporting entrepreneurs and growing businesses.

Key Responsibilities:

• Identify and evaluate prospective SME clients through field visits, referrals, and partnerships.
• Conduct credit appraisals, financial analysis, and risk assessments of loan applicants.
• Prepare and present loan proposals to the credit committee.
• Monitor and manage loan portfolios to ensure timely repayments and portfolio quality.
• Build and maintain strong relationships with SME clients, offering financial advisory support.
• Ensure compliance with internal policies, lending procedures, and regulatory requirements.
• Generate regular reports on loan performance and portfolio health.

Requirements:

• Bachelor’s degree in Finance, Business Administration, Economics, or related field.
• Minimum of 4 years' experience in SME lending, preferably in a microfinance, fintech, or commercial banking environment.
• Strong analytical, communication, and negotiation skills.
• Good understanding of financial statements and business analysis.
• Proficiency in using loan management software and Microsoft Office tools.
• Ability to work independently and meet targets under pressure.
• Knowledge of the local SME ecosystem.
• Strong interpersonal skills and a customer-first mindset.
• Attention to detail and commitment to compliance.