Loan Officer.

Job Description

About This Opportunity

To identify and recruit clients, assess and process loan applications, manage loan portfolios, and ensure timely loan repayments while maintaining high standards of customer service and compliance with UFULU Finance Ltd policies and procedures.

Key Responsibilities & Deliverables

Client Acquisition and Marketing

• Identify potential borrowers, market loan products, recruit new clients, and maintain good relationships with existing customers.

Loan Appraisal

• Receive and assess loan applications, verify client information, evaluate repayment capacity, and recommend suitable loans based on established credit policies.

Loan Processing and Disbursement

• Ensure loan applications are complete, prepare required documentation, explain loan terms to clients, and coordinate the disbursement of approved loans.

Portfolio Management

• Monitor assigned loan accounts, track repayment schedules, conduct client follow-ups, and identify potential repayment challenges.

Loan Collections and Recovery

• Follow up on overdue loans, collect repayments, maintain accurate arrears records, and support recovery efforts to minimise loan defaults.

Customer Service

• Provide professional client support, explain loan products and repayment obligations, address customer concerns, and promote responsible borrowing.

Compliance and Reporting

• Maintain accurate loan records, comply with institutional policies and applicable regulatory requirements, and submit timely reports on loan disbursements, collections, and portfolio performance.

Target Achievement

• Meet agreed targets for client recruitment, loan disbursement, repayment collection, portfolio growth, and loan quality.

Performance Measures

Key Performance Indicators

• 1Number of new clients recruited.
• 2Loan disbursement targets achieved.
• 3Repayment collection rate.
• 4Portfolio at Risk (PAR) and loan default levels.
• 5Quality and turnaround time of loan appraisals.
• 6Accuracy of records and timeliness of reports.

Ideal Candidate Profile

Qualifications & Experience

• Degree in Banking, Finance, Accounting, Business Administration, Microfinance, or a related field.
• At least three years of relevant experience in lending, microfinance, credit management, or loan recovery.
• Experience in loan appraisal, customer acquisition, and collections is an added advantage.

What You Bring

Skills & Competencies

• Strong communication, sales, and negotiation skills.
• Good credit assessment and analytical skills.
• Strong customer service and relationship management skills.
• Honesty, integrity, and attention to detail.
• Ability to work independently, conduct field visits, and meet targets.
• Basic computer skills and good report-writing abilities.

To apply for this job please visit www.ufulufinance.com.