Field Loan Officers

Loan Sourcing & Client Acquisition

• Identify and engage potential borrowers including individuals, traders, and small business owners

• Promote the organization's loan products within assigned locations and business clusters

• Build and maintain strong relationships with clients to support business growth and customer retention

• Conduct field visits and market outreach activities to generate new loan opportunities
  

Credit Assessment & Loan Processing

• Conduct preliminary credit assessments of loan applicants

• Collect and verify client documentation required for loan processing

• Evaluate applicants' repayment capacity and business viability

• Prepare and submit loan applications and supporting documents for approval

Loan Monitoring & Portfolio Management

• Monitor loan utilization to ensure funds are used for approved purposes

• Track repayment schedules and follow up with clients to ensure timely repayment

• Proactively manage delinquent accounts and support recovery efforts where necessary

• Maintain a healthy loan portfolio with minimal default risk

Reporting & Documentation

• Maintain accurate records of client interactions, loan applications, and repayment activities

• Prepare periodic field and loan performance reports for management review

• Ensure proper documentation and filing of all loan-related records

• Provide regular updates on client feedback, market trends, and loan portfolio performance

Reporting Structure

• Reports To: Branch Manager / Credit Manager

Qualifications / Experience

• Bachelor's degree or HND in Business Administration, Finance, Economics, or related field

• Minimum of 2–4 years experience in microfinance, credit administration, sales, or field-based financial services roles

• Experience in loan sourcing, credit assessment, or micro-lending operations is an advantage

• Familiarity with local markets, small businesses, and community lending practices

Skills and Competencies

• Strong interpersonal and relationship management skills

• Good understanding of credit risk assessment and loan monitoring

• Ability to work independently and conduct field-based activities

• Strong negotiation and persuasion abilities

• Good record-keeping and documentation skills

• High level of integrity and accountability

• Basic analytical and problem-solving skills