Multiple Positions

1. Branch Manager

Job brief

We are looking for a talented Branch Manager to assign and direct all work performed in the branch and to supervise all areas of operation. You will manage staff, foster a positive environment and ensure customer satisfaction and proper branch operation. The successful candidate will have a hands-on approach and will be committed to the expansion and success of the business by implementing strategies that increase productivity and enable sales targets achievement.

Responsibilities

• Direct all operational aspects including distribution operations, customer service, human resources, administration and sales
• Assess local market conditions and identify current and prospective sales opportunities
• Develop forecasts, financial objectives and business plans
• Meet goals and metrics
• Manage budget and allocate funds appropriately
• Bring out the best of branch’s personnel by providing training, coaching, development and motivation
• Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities
• Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs
• Address customer and employee satisfaction issues promptly
• Adhere to high ethical standards, and comply with all regulations/applicable laws
• Network to improve the presence and reputation of the branch and company
• Stay abreast of competing markets and provide reports on market movement and penetration

Requirements

• Degree in Business Administration, Banking & Finance, Marketing, Accounting, Economics or
• Any other related field
• Experience in credit operations
• Sufficient knowledge of modern management techniques and best practices
• Ability to meet sales targets and goals
• Familiarity with industry’s rules and regulations
• Excellent organizational skills
• Results driven and customer focused
• Leadership and human resources management skills

2. Loans Officer

Job brief

We are looking for a Loan Officer to evaluate, authorize approval or deny loan applications for people or for business. You will act as liaison between customers and our financial institution and you will help qualified applicants acquire loans in a timely manner.

Responsibilities

• Evaluate credit worthiness by processing loan applications and documentation within specified limits
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine all applicable ratios and metrics and set up debt payment plans
• Communicate with clients either to request or to provide information
• Justify decisions (approvals/rejections) and report on them
• Complete loan contracts and counsel clients on policies and restrictions
• Update job knowledge on types of loans and other financial services
• Maintain and update account records
• Assess customer needs, explore all options and introduce different types of loans
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
• Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines

Requirements

• Proven working experience as a Loan Officer
• Familiarity with computers and banking applications/software
• Solid understanding of direct/indirect lending products and practices
• Excellent communication and interpersonal skills
• Customer satisfaction orientation and sales competencies
• Ability to work in a goal oriented environment
• Minimum qualification: Diploma in Accounting and/or other Business related fields

3. Debt Collectors

Job brief

To be part of the collections team who are responsible for handling enquiries from customers who may be in debt and for attempting to make proactive contact to those who default the repayment plan.

Responsibilities

• Assist in managing queries and contacts from customers who maybe in arrears
• Negotiate payoff deadlines or payment plans
• Plan course of action to recover outstanding payments
• Locate and contact debtors to inquire of their payment status
• Liaise with the accountant to stay updated on status and database regularly
• Alert superiors of debtors unwilling or unable to pay when necessary
• Take ownership of all issues and challenges through to resolution
• Deliver an outstanding customer service experience
• Help resolve accounts that have fallen behind with their payments and agree repayment plans for customers who are unable to repay the amount owed in full
• Required to report full analysis on a daily basis
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines

Requirements

• At least 2 years’ experience in debt collection.
• Grade 12 certificate
• Diploma any subject (added advantage)
• Valid motor bike and/or driving license (added advantage)
• Extensive prior field work experience
• Excellent interpersonal skills
• Ability to build and maintain relationships with others
• Willingness to work in rural areas

How to apply

Applications, consisting of your cover letter and CV only in a single document, should be sent to [email protected]. Please indicate the job title in the subject line of your e-mail and use your full name and the job title you are applying for as the filename of your attachment. Copies of certificates need not be attached.