Loan Officer Kaoma

ExpressCredit Ltd is part of Eleving Group, an international Fintech Company Operating in sixteen countries across three Continents. We are a world class, reliable and internationally trusted partner, expanding access to finance in Zambia, our company helps individuals in need of short-term and long-term financial solutions all of which make a meaningful and lasting impact on the local communities. Since 2018, ExpressCredit has more than tripled its global operations and grown significantly worldwide. If you want to work for a dynamic, forward-thinking and socially responsible financial services provider we are the right match for you!

We invite suitably qualified Candidates based in Kaoma or are willing to Relocate to apply as Loan Officer in our Operations Department.

Description

To take charge in selling products and services – review, screen and evaluate loan documentation and to process the loan application as per Policies and Procedures set out by the company. Ensure proper completion of all loan documents and verify correct attachments needed as per Underwriting Rules. General customer service. The employees' duties shall include, but are not limited to the following:

- 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.