Job Summary:
The Loan Officer is responsible for evaluating, processing, and managing loan applications for small and medium-sized enterprises (SMEs). The role involves assessing creditworthiness, ensuring compliance with lending policies, maintaining strong client relationships, and mitigating risks while maximizing portfolio growth.
Key Responsibilities:
Loan Origination & Assessment – Identify, evaluate, and process loan applications from SMEs, including credit risk analysis and due diligence.
Loan Processing & Disbursement – Ensure accurate documentation and compliance with lending policies before loan approval and disbursement.
Portfolio & Risk Management – Monitor loan repayments, manage non-performing loans, and implement recovery strategies.
Client Relationship & Business Development – Build and maintain strong SME client relationships, provide financial advisory, and drive loan portfolio growth.
Regulatory Compliance & Reporting – Ensure adherence to banking regulations and prepare periodic reports on loan performance.
Key Skills & Competencies
Technical Skills
Strong knowledge of SME financing and risk assessment.
Proficiency in financial statement analysis and cash flow projections.
Good understanding of regulatory and compliance requirements in microfinance.
Experience using loan management systems and banking software.
Soft Skills
Excellent communication and interpersonal skills.
Strong negotiation and persuasion abilities.
High level of integrity and ethical standards.
Analytical and problem-solving mindset.
Behavioral Attributes
Proactive and self-motivated with a strong sense of responsibility.
Ability to work independently and within a team.
Resilient and capable of handling loan recovery challenges effectively.
Preferred Qualifications:
Bachelor’s degree, HND in Finance, Accounting, Economics, Business Administration, or related field.
2–4 years of experience in credit analysis, loan processing, or SME lending in a microfinance or commercial bank.
Qualified candidates should please submit their CVs to hr@davodanimfb.com
Apply via :
hr@davodanimfb.com