Credit Officer

Job description

About the role:

A critical role responsible for business and smooth operations of the branch. The Credit Officer is fully accountable for high performance of the branch as a profit center by courteously attending to clients, meetings sales targets, calling clients, taking part in marketing activities and providing excellent customer service to achieve set business targets.

Key Responsibilities:

Business Management & Sales:

✓ Screening and counter-checking all submitted loan applications.
✓ Arrange appointments with clients as well as prepare a complete loan assessment in line with the Creditcare credit policy.
✓ Exercising sound commercial judgment in resolving issues appropriately within the confines of the company’s credit policy, sales strategy and other company rules/policies.
✓ Provide input into new product development as well as channels and distribution of products.
✓ Drive new sales revenue and total revenue through acquisition, deepening and retention of customers.
✓ Closely collaborate with Senior management, Marketing Managers, Consultants and Independent Agents on effective outreach mechanisms and secure cost effective platforms to penetrate the markets

Customer Relationship Management:

✓ Be the first point of contact within the customer feedback mechanism to ensure the facilitation of continuous flow of feedback for continuous improvement, championing speedy resolutions of customer complaints.
✓ Manage a customer feedback mechanism and reporting escalating  challenging customer complaints to the respective supervisor or operations manager.

Risk Management & Control:

✓ Monitor adherence to all set controls in order to mitigate business risks.

✓ Ensuring proper documentation is stored in line with the provided company’s regulatory and legal guidelines
✓ Ensuring adherence to policy in safe handling and management of cash in the branch i.e. custody, cash holding limits, repatriations, and disbursements.

Desired Qualification & Experience:

1. Excellent analytical and communication skills (both in writing and orally)
High levels of integrity
2. Good banking and accounting skills
3. Good knowledge of all products and services offered by the company
4. Ability to use a variety of computer applications Fluency in English and any other local language
5. A minimum of a Diploma, preferably a Bachelor’s Degree in Banking & Finance, Economics, Business Administration or Accounting or any other Commercial Related Degree from a recognized University
6. Full Grade Twelve (12) Certificate.

To Apply:

Use the link attached here.