• Application Deadline:
• Position: Credit (Loan) Officer


• Job Type Full Time


• Qualification BA/BSc/HND


• Experience 1 year


• Location Imo


• Job Field Finance / Accounting / Audit 
  

Essential Duties and Responsibilities

• Partner with Team Leader in developing weekly/monthly plans with regards to client mobilization and individual performance goals.


• Maintain a good knowledge of assigned market geographical area and understand clients need with competing products.


• Research and develop business opportunities within assigned geographical zone and assist marketing department with market research and impact studies upon request.


• Market all FINCA Products and Services to potential clients by using the promotional tools as approved by management.


• Responsible in acquisition and management of loans and savings portfolio; Loan initiation, processing, monitoring and repayment.


• Conduct a thorough loan analysis to ascertain customer’s payment capacity and willingness; evaluate the credit risk before Credit Committee Meetings.


• Reduce liquidity risk by aggressively reducing dormant savings accounts.


• Ensure each loan disbursed are in compliance with FINCA lending procedures, policies and methodology.


• Prepare and present report as assigned by your Team Leader/ Branch Manager.


• Compile credit files with required documentation and hand over to back office staff for processing.

• Any other responsibilities required by the Branch Manager or Savings Manager in line with FINCA policies.

Qualifications and Experience:

• Bachelor’s Degree/HND with minimum of 2nd Class Lower (2.2) in related discipline.


• Minimum of 1 year post NYSC experience in credit or a client facing sales role with a financial institution.


• Strong customer orientation.


• Basic mathematical and analytical skills required.


• Willingness to work in the field and travel within the state if requested – 80% of the time


• Able to work in the team and coordinated actions accordingly


• Strong ability of follow up and consistency in his/her actions


• Flexible to accept changes that might occur as a result of institution strategy

Critical Competencies:

• Analytical – Synthesizes complex or diverse information; Uses intuition and experience to complement data.


• Problem Solving – Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.


• Technical Skills – Strive to continuously build knowledge and skills; Shares expertise with others.


• Interpersonal Skills – Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others’ ideas and tries new things.


• Teamwork – Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interest; Able to build morale and group commitments to goals and objectives; Supports everyone’s efforts to succeed.


• Motivation – Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Task calculated risks to accomplish goals.


• Planning/ Organizing – Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Set goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.


• Quality – Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.