Credit Officer / Loan Officer

https://job.answiz.com/company/finca-microfinance-bank

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387-E, Johar Town Post Office Box 24450 Lahore, Pakistan, Pakistan
Job Detail
  • Industry:
    Banking/Financial Services
  • Total Positions:
    13
  • Job Type:
    Full Time
  • Salary:
    More than your current
  • Job Location:
    lahore, Pakistan
  • Minimum Education:
    Bachelors
  • Minimum Experience:
    2 Years
  • Apply By:
    Jan 26, 2020
  • Job Posting Date:
    Jan 22, 2020
Job Description

Loan Officer is responsible for the growth of business lending for FINCA, Pakistan in the target market and region.

The Loan Officer is focused on community outreach in order to increase the visibility of FINCA and originate quality loan applications.

The Loan Officer must be driven by FINCA's mission to provide financial services to Pakistan's lowest-income entrepreneurs so they can create jobs, build assets and improve their standard of living.

The LO works with internal staff and external customers to successfully generate quality business loans in their respective markets.

The position is directly responsible for business development and sales and will have specific lending goals to attain during each month.

To build a good rapport with clients to make repeat clients.

To follow up on delayed installments.

To assist all seniors including Relationship or Branch Manager to initiate collateral liquidation if a client defaults on a loan.

Helps RM/BM prepare reports to send customers whose accounts are delinquent, and forward irreconcilable accounts for collector action (whichever applicable).

The LO also does cross-sell.

The Loan Officer typically works under direct supervision and guidance of RM or Branch Manager

Competencies & Training

Core Competencies:

Client focus, Interpersonal skills

Communication planning & organizing, Initiative

Judgment & decision making

Professional Training:

Persuasion & influencing, Customer service, Goal setting.

Giving and receiving feedback, Communication skills.

Technical Training:

Loan products review, Lending cycle, Standards of client service, Client acquisition

Balance, Profit & loss, Screening, Crosscheck, Financial ratios, Risk analysis

Completing form, Loan agreement, and Monitoring collections, Symptoms of fraud, Policies & procedures.

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