Loan Officer- Mainland

1. Loan Sourcing & Client Acquisition: Identify and onboard prospective borrowers within assigned markets. Conduct field visits, market scans, and community engagement to generate leads. Build and maintain a strong pipeline of active borrowers.

2. Credit Assessment & Loan Processing: Conduct KYC verification, credit appraisal, and cash‑flow analysis. Prepare loan documentation and submit applications for approval. Ensure fast and accurate turnaround time on loan processing.

3. Loan Disbursement & Portfolio Management: Disburse approved loans in line with bank policies. Monitor borrower performance and ensure timely repayment. Maintain a healthy and high‑quality loan portfolio.

4. Loan Recovery & Delinquency Management: Follow up on overdue accounts and implement recovery strategies. Conduct field recovery visits when necessary. Maintain low PAR and NPL levels through proactive monitoring.

5. Reporting & Compliance: Prepare daily, weekly, and monthly loan performance reports.Ensure compliance with internal credit policies and regulatory standards. Maintain accurate and updated client records.

Qualifications & Requirements

• HND/BSc in Finance, Business, Economics, or related field.
• 1–3 years' experience as a Loan Officer in a microfinance bank or lending institution.
• Strong knowledge of micro‑lending, credit analysis, and field operations.
• Excellent communication, negotiation, and customer‑relationship skills.
• Ability to work under pressure and meet aggressive targets.
• Must reside on the mainland or be willing to work in the mainland axis.

Key Performance Indicators (KPIs)
The Loan Officer will be evaluated based on:

• Loan Disbursement Volume: Monthly and quarterly disbursement targets achieved.
• Portfolio Quality: Low Portfolio at Risk (PAR) and Non‑Performing Loan (NPL) ratios.
• Loan Repayment Rate: Percentage of loans repaid on schedule.
• Number of Active Borrowers: Growth and retention of borrower base.
• Recovery Rate: Effectiveness in recovering overdue or defaulted loans.
• Turnaround Time: Speed and accuracy of loan processing from application to disbursement.