RESPONSIBTIES The credit officer handles appraisal, processing and monitoring of loans to ensure quality and compliance with the regulatory rules.
KEY DUTIES 1. Loan appraisal - interview applicants, verify documents, assess business, income, and repayment ability, do field visits. 2. Credit analysis - Prepare loan assessment reports, determine loan amounts, terms and collateral security required. 3. Documentation - ensure all loan forms, agreements and KYC are complete and signed before disbursement. 4. Disbursement and booking prepare disbursement vouchers and book loans in the system after approval. 5. Portfolio monitoring -Track repayments, follow-up on due/overdue loans and update client files. 6. Recovery - handle early warning cases, issue demand notices and support recovery efforts. 7. Reporting - prepare daily/weekly loan reports, portfolio quality reports and submit to management. 8. Compliance - ensure all lending follows regulations, internal policies AML/KYC requirements. 9. Customer service - Advise clients on loan products repayments and financial discipline
DUTIES & RESPONSIBILITIES Marketeers are front line. Their job is to bring good clients and maintain relationship.
KEY DUTIES 1. Client mobilization - identify and onboard new clients in kajjansi and surrounding areas, market loan products. 2. Client education - explain loan products, interest rates, terms and responsible borrowing. 3. Loan origination - receive application, do initial screening and collect required documents. 4. Field verification - visit business/homes to verify existence, character and business viability. 5. Referrals - submit appraised files to credit office for further analysis and approval. 6. Disbursement support - mobilize clients for disbursement and ensure they understand repayment schedules. 7. Repayment follow-up-remind clients of due dates do field follow-ups and report delinquencies early. 8. Portfolio growth - maintain and grow health portfolio with low default rates. 9. Market feedback - report competitors activity client needs and market challenges to management.
