Loan Officer Chipata

Job 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

Express Credit Zambia seeks to recruit a self- motivated, experienced, skillful and result oriented professional based in Chipata or willing to self-relocate for Loan Officer position

Job Purpose

The Loan Officer takes charge in selling YesCash Zambia products & services, screening, evaluation of loan documentation and processing of loan applications as per laid down Policies and Procedures, and responsibility over the loan quality under his/her portfolio, general customer service. The role also includes receiving customers’ repayments, pay out loan disbursements, and entertain customers’ concerns related to their accounts, refunds, payments, arrears, interpret customer loan statements and settlement enquiries, Cash management. General customer service.

Key Responsibilities

Advise customers on all YesCash Zambia products and services
Sell and cross sell YesCash Zambia products and services
Actively engaged in generating sales by bringing customers into branches
Process loan products to private and government offices
Creation of customer accounts in the system
Uploading of loan documentation on the system
Management of loan customer files as per archiving procedure.
Processing of customer refunds
Handling of customer complaints escalate by creating tasks on ERP as per policy
Manage good relationship with agents, who bring in new clients
Receive and post cash loan repayments as per laid down procedure
Receive cheque repayments, post on customers’ accounts, and ensure they are deposited in YesCash bank account.
Disburse loan proceeds and cash refunds
Verify that all loan documentation is fully signed by customers and YesCash representatives before disbursing loan proceeds
Verify customers’ identity before making any cash pay out
Maintain teller register and other files
Overall cash Management
Provide general customer service

Qualifications and Requirements
Grade 12 School Certificate with 5 credits including English and Mathematics
Diploma or better in any business-related course,
Computer literate (Microsoft Word and Excel)
Relevant selling and marketing skills- Basic knowledge in financial analysis
Basic sales and marketing skills
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),