PERSONAL LOANS OFFICER

PERSONAL LOANS OFFICER

PERSONAL LOANS OFFICER

REPORTING RELATIONSHIP:

 Reports to:       Branch Manager

Supervises:      Not Applicable

LIAISES WITH:

1.   Internally:             All Staff

2.   Externally:             Clients and prospective clients, companies and prospective companies, community-based organizations, and the general public.

 GENERAL ACCOUNTABILITY:

 Under the supervision of the Branch Manager, the Personal Loan Officer is responsible for developing and maintaining a high-quality portfolio, consistent with the financial and strategic objectives of AFSL. This includes but not limited to achieving set disbursement and delinquency targets, maintaining and initiating customer relationships and maintaining a high level of service delivery.

 SPECIFIC DUTIES:

• Identify new and prospective clients and manage the retention of existing clients.
• Conduct marketing and promotional activities to promote AFS products and increase brand awareness.
• Work closely with the Branch Manager to develop and execute strategies to grow loan portfolio.

• Assess, process and recommend loan applications to include disposable income  and  sector analysis.
• Exercise sound analytical skills and prudent judgement in the assessment of loan applications within authorised limits and policy guidelines.

• Check all documents submitted by clients, to support loan request, to ensure accuracy and compliance.
• Maintain close relationship with existing clients to identify new opportunities and to assist in their growth and development.

• Conduct firm/client visits periodically, to maintain client relation

• Maintain delinquency levels as per established Credit Policy; to include immediate response to late loan payments and making initial contact after first evidence of lateness.

• Network with Associations at the community and corporate level to obtain referrals and to maximize new sales opportunities.
• Provide prompt, knowledgeable and courteous service to both internal and external customers.
• Provide accurate information regarding the Company’s products and services.
• Prepare and submit weekly activity reports as directed by the Branch Manager.
• Assume full responsibility for all customer enquires/concerns/complaints that are directed to you and resolve these matters within your discretion to the customer’s satisfaction or refer the customer to your immediate supervisor.

QUALIFICATION, EXPERIENCE & SKILLS

 The incumbent must have:

• Diploma in Business Administration, Marketing, Finance, Accounting or related discipline.
• A minimum of three (3) years related work experience.
• Have in-depth knowledge of the local community/environment.

 WORKING CONDITIONS:

 This position is primarily non-physical; however, the incumbent may be occasionally required to work outside of normal working hours due to workflow.

 The working hours are 8:30 a.m. to 4:30 p.m., Mondays to Fridays. However, working and training may be required from time to time on weekends.