Loan Sales Consultant

About Malinzi Credit Limited

At Malinzi Credit Limited, we specialize in providing affordable loans at competitive rates to Zambian civil servants and the general public. As a growing lending company, we pride ourselves in our quick processing times, flexible repayment options, and excellent customer service.

The Role

We’re seeking a results-driven Loan Sales Consultant to join our dynamic team, with a primary focus on processing and managing our civil servant loan portfolio while also handling standard personal loans. The ideal candidate should be passionate about helping clients access the financial support they need while ensuring the company’s loan book is consitently well performing.

Key Responsibilities

Process loan applications for civil servants through the government payroll deduction system
Evaluate standard loan applications for non-government employed clients
Conduct thorough credit assessments and verify applicant documentation
Liaise with government departments to verify employment status and salary detail
Maintain excellent relationships with HR representatives across civil service departments
Achieve monthly sales targets while minimizing default rates
Educate clients about our loan products, terms, and conditions
Follow up on loan repayments and manage early-stage collections when necessary
Ensure strict compliance with lending regulations and company policies

Requirements

Diploma or degree in Banking, Finance, Business, or related field
1-2 years’ experience in money-lending, microfinance, or banking is required (experience with civil service loans is a plus)
Solid understanding of Zambian civil service structures and payroll systems
Strong knowledge of credit risk assessment techniques
Excellent sales and negotiation skills
Proficiency with loan management software and MS Office applications
Target-oriented mindset with ability to work under pressure
Outstanding communication and customer service skills
Honest and professional

We Offer

A basic salary plus attractive commission incentives
Performance bonuses for meeting and exceeding targets
Comprehensive training on civil service loan procedures
Career advancement opportunities within a growing company
Collaborative and energetic work environment

Email your CV and Cover letter to info@malinzi.com

Please note that this is not an advert for a “general worker” and applications without the required experience will not be considered.