Loans Officer

at BNP Paribas Microfinance
Location 11 Crescent Dr, Birnam, Johannesburg, South Africa
Date Posted
Category Banking
Job Type FULL_TIME
Work Hours Day
Salary Units MONTH
Currency ZAR

Description

Loans Officer

Job Summary

Exciting and challenging career opportunities have arisen within Red Sphere Finance. If you would like to join us and be part of our dream to impact people’s lives, this is the opportunity for you

Duties And Responsibilities

What we expect from you

  • Grow a quality and performing loan portfolio.
  • Conduct credit assessments of loan applications submitted by clients, including conducting client interviews.
  • Undertake loan credit scoring and ensure that all relevant documents are in place prior to loan disbursements.
  • Conduct clients credit clearances.
  • Conduct outreaches to promote uptake of the company’s products.
  • Create client database and monitor products performance.
  • Register stop orders for clients with approved direct deduction arrangements.
  • Produce relevant reports to track product performance and to aid decision making.
  • Monitor and ensure irregularity and default ratios are in line with the credit policy.

Qualifications, Skills and experience required

  • Bachelor’s Degree in Commercial studies or equivalent from a recognized institution.
  • Credit management certification an added advantage.
  • 3 years’ experience in micro-finance services environment.
  • Problem solving and analytical skills.
  • Technical knowledge and understanding of the micro-finance business.
  • Credit appraisal skills.
  • Interpersonal and communication skills.
  • Willing to travel within the defined business area.

 

Skills

Problem solving and analytical skills.
Technical knowledge and understanding of the micro-finance business.
Credit appraisal skills.
Interpersonal and communication skills.
Willing to travel within the defined business area.

Educational Requirements

Bachelor’s Degree in Commercial studies or equivalent from a recognized institution.
Credit management certification is an added advantage.

Responsibilities

Grow a quality and performing loan portfolio.
Conduct credit assessments of loan applications submitted by clients, including conducting client interviews.
Undertake loan credit scoring and ensure that all relevant documents are in place prior to loan disbursements.
Conduct clients credit clearances.
Conduct outreaches to promote uptake of the company’s products.
Create client database and monitor products performance.
Register stop orders for clients with approved direct deduction arrangements.
Produce relevant reports to track product performance and to aid decision making.
Monitor and ensure irregularity and default ratios are in line with the credit policy.

Experience Requirements

3 years’ experience in micro-finance services environment.

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