Senior Commercial Lending Officer

Responsabilités

Then Financial Services, a rapidly expanding microfinance institution, currently operates in the Copper belt and Sole regions with plans to extend its reach to additional towns. The Business Loan Officer will oversee and execute various duties related to evaluating, approving, and managing commercial loan applications. This role requires meticulous analysis of financial statements, creditworthiness assessments, and risk evaluations to ensure compliance with lending policies and regulatory standards. The incumbent will collaborate with clients to gather necessary documentation, present loan proposals, and facilitate the approval process. Additionally, they will maintain accurate records, monitor loan performance, and provide ongoing support to borrowers to optimize repayment outcomes. Strong interpersonal skills, a keen eye for detail, and proficiency in financial software are essential for success in this position. Responsible for promoting all KFS products and services to prospective clients through approved promotional tools and mechanisms. Oversee the complete lending process, from loan initiation and processing to ongoing monitoring and repayment management. Here is the paragraph: The role involves curating suitable clients, furnishing comprehensive details about available products and services, performing thorough client assessments, gathering all required documentation, and verifying its accuracy. Additionally, the position requires presenting credit proposals to credit committees and finalizing loan documentation. Clearly outline the disbursement and repayment process for clients, ensuring they fully understand all relevant details and conditions. Perform comprehensive assessments of each client’s payment capacity and willingness; assess credit risk prior to presenting findings to the Credit Committee. Dedicate yourself to fostering and sustaining clients’ willingness to repay their obligations. Responsible for overseeing all collection activities for assigned client portfolios, including daily tracking of repayment statuses. Must promptly address delinquent loans in accordance with established lending policies, escalate all overdue clients to the arrears’ committee, and propose appropriate resolution strategies. Additionally, implements decisions made by the arrears’ committee without exception. EDUCATION AND EXPERIENCE A relevant business-related diploma—such as in Banking and Finance, Business Administration, or Economics—along with a college diploma is required. Professional candidates will possess a strong background in Sales and Marketing, with a particular emphasis on the Microfinance Sector. In a client-facing sales position, prior experience in the education sector is strongly preferred. Professional Version: Strong proficiency in mathematics and analytical reasoning is essential, along with excellent reading comprehension, writing clarity, and meticulous attention to detail. Strong customer orientation. COMPETENCIES Analytical Problem Solving – Technical Skills Interpersonal Skills Motivation Planning/Organizing Quality LANGUAGE SKILLS Proficiency in English and the local language relevant to the branch’s operational area is required. If you satisfy the aforementioned qualifications, please forward your curriculum vitae, academic credentials, a duplicate of your National Registration Certificate, and a cover letter to the designated email address. : [Click the Apply button below to apply, and Create my CV to build a CV tailored to this offer, professionally] Only those who have been selected for further consideration will receive a response.

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