Senior Loan Officer or Branch Manager Kafue

Job description

Description
ExpressCredit is a global consumer finance company operating in Zambia and 3 surrounding countries, including Botswana, Namibia, and Lesotho. Our company helps individuals in a 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!

To learn more about ExpressCredit, visit: www.expresscredit.co.zm

ExpressCredit Zambia, a registered non-deposit taking financial institution is inviting suitably qualified, competent, skillful and highly motivated professional based in Kafue or willing to self-relocate for the Senior Loan Officer Position.

Job PurposeTakes charge in selling YesCash Zambia products & services, screening, evaluation of loan documentation and processing of loan applications as per laid down Policies and Procedures, general customer service

Key Responsibilities

1. Sales Point Management

Custodian of all Sales Point assets
Ensure Sales Point is open and ready for business by 07:55 hours.
Ensure Sales Point is locked and safely secured at end of day.
Ensure the Sales Point is clean and conducive for business and customers.
All equipment must be in good working condition for smooth branch operations.
 2. Customer Care

Ensure excellent customer service to all customers.
Resolve customer complaints and queries and ensure they are handled within 24hrs.
Escalate all customer queries and complaints that cannot be handled by the branch immediately and ensure they are resolved within 48hrs.
Ensure customer refund claims are handled with utmost care and customers are refunded within 48hrs.
All customer refund claims are completed and signed off before escalating to SSC for processing.
Customers are fully informed about all products and services.

3.  Loan Processing

All loans are processed as per policy and procedure adhering to underwriting rules.
All loan files are secured in the branch daily before dispatching to Head office.
All loan files processed in a month are couriered to Head office for archiving during the first week of the following month.
All mandates are couriered to Head Office (Credit department) by Monday the following week.
4. Sales

Management of Direct Sales Agents to drive sales.
Set daily marketing plans for DSAs and set daily targets.
Ensure branch sales targets are achieved.
Prepare monthly and weekly sales plan and send to Sales Manager and Head- Branch Operations
Ensure all sales plans are implemented.
5.  Document Archiving

Ensure all documents e.g, Cash receipts, refunds, loan documents are kept safe and secure in branch before dispatching to HQ for archiving.
Ensure all loan documents are couriered to HQ for archiving within 5 working days of the following month.
All mandates are couriered to Head Office (Credit department) by Monday the following week.

6. Reports, ensure daily and weekly reports are sent completed efficiently and sent on time.

Qualifications and Requirements

Grade 12 School Certificate with 5 credits including English and Mathematics.
Diploma or better in sales or any business-related course.
Must have a Valid Driver’s Licence
Computer literate (Microsoft Word and Excel)
Relevant sales and marketing skills- Basic knowledge in financial analysis
Must have sales and marketing experience
Honesty and Integrity
Attention to details
Good organizational and multi-tasking skills.
Knowledgeable in YesCash Zambia Credit Procedures and Products
Excellent interpersonal skills
Good understanding of customer service principles,
Excellent communication skills (oral& written),