INTRODUCTION : -
Experienced SME Officer job opportunity is available at Baobab Microfinance Bank for individuals who possess relevant qualifications.
SME Loan Officer is responsible for processing loan applications for SME and corporate clients, as well as monitoring the loan portfolio.
DUTIES AND RESPONSIBILITIES : -
Prospect new SME clients and assists them for loan applications.
Has the ability to analyze and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower.
Conducts loan appraisal and collects detailed information (personal, business, and guaranties) and arranges to open a new loan account.
Prepares and executes loan contracts and arrange for disbursement of loan in kind.
Have good knowledge about guidelines of the regulatory body and be able to prepare loan reports for internal and external use.
Monitors the loan and follows up of the timely repayment.
Maintain contact and maintain good relationships with clients.
Ensure full compliance with all in-place.
Any other task as assigned by the Head of Department.
DESIRED EXPERIENCE & QUALIFICATION : -
Bachelor’s Degree in Banking & Finance or Accounting
At least 2 -3 years prior experience in the credit / SME department from a Microfinance bank.
Organisational and time management skills.
Ability to work effectively in a team environment.
Negotiation and internal relationship building.
Sound written and verbal English communication skills.
Advanced computer skills (MS Word, Excel, PowerPoint).
Analysis and reporting skills.
Problem solving and decision making.
Good understanding of business processes.
Good understanding of the market / SME sector.
Ability to communicate and to maintain good relations with the client.
Good presentation skills and excellent courteous attitude; social concern.
Ability to work in confidentiality; ability to work in the field.