The Field Officer (Loan Officer)

Key Responsibilities: 

Client Mobilization & Business Development

• Identify, sensitize, and recruit potential clients within assigned areas.

• Facilitate group formation and training for group lending methodologies.

• Promote loan, savings, and other financial products.

• Build strong relationships with community leaders and local networks.

Loan Appraisal & Processing

• Conduct detailed loan assessments including business visits, household checks, and cash-flow analysis.

• Verify client information, guarantors, collateral, and business viability.

• Prepare accurate appraisal reports and ensure clients understand loan terms and obligations.

Loan Disbursement & Portfolio Management

• Support timely and compliant loan disbursement.

• Monitor repayments through field visits, center meetings, and follow-ups.

• Maintain portfolio quality by ensuring on-time repayments and actively recovering overdue loans.

• Take proactive action to reduce Portfolio at Risk (PAR).

Customer Service & Client Support

• Provide basic financial literacy and business advisory support to clients.

• Handle client inquiries and complaints professionally.

• Maintain a positive institutional image in the community.

Reporting & Compliance

• Prepare daily, weekly, and monthly field and portfolio reports.

• Maintain accurate client documentation and system entries.

• Adhere strictly to credit policies and regulatory guidelines.

• Immediately report suspected fraud, misrepresentation, or operational risks. 

• Diploma or Bachelor’s in Microfinance, Business, Finance, Accounting, or related field.

• 2–5 years microfinance experience preferred.

• Fieldwork experience required (motorcycle riding skill is an advantage). 

How to Apply:

All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section