LOAN OFFICER X 4 (NDOLA & SOLWEZI)

PremierCredit is Zambia’s leading and fastest growing International financial technology (fintech) company operating in emerging markets in Southern Africa. The company operates an online microlending and Investment platform for small businesses and individuals, making financial services inclusive, accessible, and affordable.

As part of our expansion plan, we are inviting applications from suitably qualified, experienced, ambitious, self-motivated individuals to apply for the position of Loan Officer.

JOB BRIEF

The Loan Officer is responsible for the entire loan lifecycle, from customer acquisition to loan disbursement and repayment. This role involves assessing creditworthiness, processing loan applications, and building strong customer relationships. The ideal candidate will possess a deep understanding of the fintech industry, excellent communication skills, and a strong drive to achieve sales targets.

REQUIREMENTS:

• Identify and generate new loan opportunities through various channels (online, mobile, branches).
• Conduct market research to identify potential customer segments.
• Build and maintain strong relationships with customers through excellent customer service.
• Assess customer creditworthiness and eligibility for loans based on PremierCredit’s lending criteria.
• Collect and verify required loan documentation.
• Prepare loan applications and submit them for approval.
• Provide clear and concise loan terms and conditions to customers.
• Process loan applications efficiently and accurately.
• Ensure compliance with all regulatory requirements and internal policies.
• Coordinate with underwriting, credit, and legal departments.
• Disburse approved loans to customers in a timely manner.
• Implement effective loan disbursement procedures.
• Monitor loan performance and identify potential risks.
• Implement collection strategies for delinquent accounts.
• Maintain accurate loan records and reports.
• Achieve monthly and quarterly loan origination targets.
• Develop and implement sales strategies to increase loan volume.
• Cross-sell other financial products and services.

QUALIFICATIONS:

• Diploma in Finance, Economics, Business Administration, or a related field.
• Minimum of 3 years of experience in the financial services industry, preferably in lending.
• Strong understanding of credit analysis and risk assessment.
• Proficiency in using loan origination software and other relevant technology.
• Excellent communication and interpersonal skills.
• Strong negotiation and sales skills.
• Attention to detail and organizational skills.
• Ability to work independently and as part of a team.

Additional Requirements

• Knowledge of fintech industry trends and regulations.
• Experience in using customer relationship management (CRM) software.
• Strong analytical and problem-solving skills.