Require a Loan Officer in Kaoma, Zambia

Provide comprehensive information on the company's products to clients.

• Actively sell and cross-sell the company's products to potential clients.
• Generate sales by bringing in new customers and expanding the client base.
• Evaluate and assess the credit risk of individual clients and determine their repayment capability before approving loans.

-Create customer accounts in the system and upload all required loan documentation.

• Manage customer loan files and ensure proper filing and archiving procedures are followed.
• Process customer refunds and handle any complaints or queries escalated by clients.
• Develop and maintain good relationships with Direct Sales Agents (DSAs) who bring in new clients.
• Collaborate with the Branch Manager to meet sales targets and implement sales plans.
• Ensure compliance with company credit procedures and underwriting rules.
• Maintain a high level of data integrity in the system.
• Provide excellent customer service, addressing client needs and concerns.
• Stay updated on the latest products and services offered by the company.
• Maintain confidentiality and exercise discretion in handling client information.
• Analyze and assess loan applications and documentation for accuracy and completeness.
• Meet or exceed sales targets and contribute to the growth and quality of the loan portfolio.
• Collaborate with other team members to resolve any issues or discrepancies.
• Participate in training and development activities to enhance job knowledge and skills.

Requirements

• Basic knowledge in financial analysis.
• Basic sales skills.
• Honesty and Integrity with ability to maintain confidentiality and exercise discretion.
• Analytical with an attention to detail and accuracy.
• Good organizational and multi-tasking skills.
• Knowledgeable in YesCash Zambia Credit Procedures and Products.
• Interpersonal skills with focus on excellend customer service.
• Good understanding of customer service principles.
• Excellent communication skills (oral & written).
• Excellent time management skills and organizational skills.

Education and Personal Traits

• Grade 12 and higher qualifications in related field (finance / banking / management)
• Computer literate (Microsoft Word and Excel)
• Relevant selling skills
• Previous experience in the field – added advantage
• Team player.
• Innovative and target/goal-oriented.
• Enthusiastic and self-starter.
• Analytical, good problem solver.