Junior Customer Service Officer

Major Duties and Responsibilities:

Promotion & Marketing:

• Assists in conducting market research and survey activities.
• Solicits new loan accounts in accordance with specific periodic performance targets prescribed in the branch business plan.
• Conducts active marketing campaign to attract new clients.
• Orients prospective clients about VISIONFUND MFI products.
• Assists the branch manager in preparing annual plans and budget and carries out focus group discussion (FGD) with clients.

Manage loan & saving process:

• Receives loan applications and performs credit appraisal on loan applicants and their surety/guarantor, if any.
• Conducts inspection and/or appraisal of any property being offered as collateral.
• Prepares and presents credit applications to the branch credit committee for approval and arranges venue for loan committee.
• Prepares schedules, disburses loans, and collects repayments.
• Daily handover of all collected cash to the teller/cashier.
• Assesses client history & performance to recommend repeat loans.
• Member of loan committee.
• Submits periodic reports and statistical data to the branch manager.
• Handles the minimum number of clients set for the position.
• Conducts inspection and/or appraisal of any property being offered as collateral.
• Prepares and presents credit applications to the branch credit committee for approval and arranges venue for loan committee.
• Submits periodic reports and statistical data to the branch manager.
• Handles the minimum number of clients set for the position.

Manages portfolio quality:

• Closely monitors loan payments and ensures zero tolerance against past due.
• Effectively negotiates with clients in arrears.
• Undertakes timely follow-up and analysis of past due loans and proper documentation.
• Assists other loan officers in managing delinquency crisis.
• Conducts regular visits to clients at their business sites before, during, and after disbursement and builds strong relationships.

Others:

• Performs any other duties assigned by the Branch Manager from time to time.
• Acts as an alternate to any Credit Officer who is absent or on leave.

Qualifications: Knowledge and Technical Skills:

• At least 10+2, 10+3, TVET Level 2, TVET Level 3, TVET Level 4, or Diploma/Degree in Economics, Management, Marketing, Public Administration, Rural Development, Cooperative, Agricultural Economics, or related fields.
• At least one year of work experience.

Technical Skills:

• Demonstrated technical ability, sound judgment, and ability to work effectively with others at all levels.
• Determined personality with initiative, perseverance, and ability to motivate and manage a team.
• Capability and willingness to take responsibility with a strong sense of integrity.
• Good knowledge of economic and financial topics.
• Strong analytical and problem-solving skills.
• Excellent written and oral communication skills.
• Basic computer skills.

Skills Required:

• Agricultural / Studies
• Economics / Statistics
• Hr / Public / Admin
• Sales / Marketing / Business / Management