Duties and Responsibilities:

• Markets SPORIC MFC- loan products or services and finds clients in designated areas of operation.
• Trains Clients on SPORIC MFC’s product and process as per the set policies for each loan product.
• Conducting Business and Home visit to clients with a view to verifying if the business produces a regular income to enable the client to pay back the loan.
• Conducts cash flow analysis and credit assessment to determine client’s credit worthiness and character assessment including ensuring client are well known to their respective location including the local government authorities.
• Open and maintain client’s files and ensure that all required information is filed according to the laid down policies.
• Guide the clients on filling and completing loan application forms, ensures that the forms are properly filled and affixed with clients’ photos as required and that clients read and understand every loan form before filling.
• Ensures that clients complete all other collateral requirements as per the set policies according to the loan products.
• Compile loan file with all required document as per credit policy and product book and Presents the loan file to the branch center credit committee
• Responsible in ensuring that repayment of loans is done as per the agreed schedules and enforce zero tolerance policy to clients on loan repayment
• Immediate and close follows up on all delinquent loans to ensure on time repayment  Monitor the assigned targets and Ensures the monthly targets are met at all times.
• Attend customers visiting the office and as well as customer complain and other customer care related issues.

Qualifications:

• Diploma in Banking and Finance, Accounting, Microfinance, Economics, Business Administration, Finance, Rural development or any related field.
• Excellent financial analysis skills especially financial ratio analysis to determine credit worthiness.
• Good knowledge in collateral and character evaluation of loan clients.
• Understanding of Microfinance practice and related policy issues, their implications and applications.
• 1-2 years of Loan Officer experience in Microfinance Institutions (highly preferred)

About our working environment & remuneration:

Sporic Microfinance Company has a calm and harmonious working environment where staffs are highly valued. Good work is recognized and rewarded accordingly and there is an opportunity to grow professionally.