Loan Officer

Position overview:The Loan Officers will be responsible for client acquisition, portfolio management, and loan recovery, while maintaining high-quality service standards and minimizing overdue accounts. Key Responsibilities Client Acquisition & Relationship Management Identify and recruit potential clients in line with company policies. Conduct community and door-to-door outreach to build strong client relationships. Orient clients on available loan products, terms, and services. Mobilize savings among existing and new clients. Loan Processing & Portfolio Management Process loan applications, verify income-generating activities, and ensure complete documentation. Conduct risk and creditworthiness assessments. Ensure timely loan approval and disbursement. Build and maintain a quality loan portfolio with regular follow-up. Monitoring, Recovery & Reporting Conduct field visits to monitor loan utilization and recovery. Ensure timely loan installment collections and manage delinquent accounts. Maintain accurate records and prepare periodic portfolio reports. Customer Service & Financial Education Provide timely and professional customer support. Educate clients on responsible borrowing and financial literacy. Guide client groups in managing repayments effectively. Other Duties Perform other duties assigned by management. Uphold the organization’s operational policies and core values. Job Qualifications and Requirements Minimum Qualifications Bachelor’s degree in Finance, Accounting, Economics, Business Administration, Microfinance, Banking, or a related field (First or Second-Class Upper). A diploma/certificate in Microfinance, Banking, or Credit Management is an added advantage. Ongoing professional certification in Finance or Accounting is a plus. Experience Minimum of 2 years’ experience in microfinance institutions, SACCOs, or community banking, especially in loan disbursement and recovery. Experience working with low-income or rural populations is an added advantage. Should be under the age of 30Technical Skills Knowledge of microfinance principles and credit risk analysis. Proficiency in MS Office (Word, Excel, PowerPoint). Familiarity with loan management systems and mobile banking platforms. Ability to assess small business financial statements. Willingness to travel and work in rural or semi-urban settings. A valid motorcycle license is an advantage. Proficiency in English and Kinyarwanda (French is an added advantage).