Experienced loan officer – buea
Date limite de l'offre: mercredi 29 janvier 2025 07:16de :
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Description du poste
Description
Nkwaccul is a microfinance, dedicated to empowering Micro, Small, and Medium Enterprises (MSMEs) and individuals through innovative financial services. We aim to drive economic growth by providing accessible credit, fostering disciplined saving habits, and promoting financial inclusion. At Nkwaccul, we believe in enabling our clients to achieve their goals and contribute to their communities’ development.
- Job Title:Experienced Loan Officer
- Location:Buea, Cameroon
- Company:Nkwa Cooperative Credit Union (BOD affiliated to Rainbowcam)
Missions / Responsabilités / Activités
Position Overview
We are seeking an experienced loan officer who is passionate about empowering MSMEs and individuals in underserved communities. The ideal candidate will play a critical role in supporting small business owners, and other clients by evaluating creditworthiness, disbursing loans responsibly, and fostering long-term financial stability for our clients. This role requires proficiency in banking software to streamline operations, ensure accuracy, and improve efficiency.
Key Responsibilities
Empowering MSMEs and Individuals
We are seeking an experienced loan officer who is passionate about empowering MSMEs and individuals in underserved communities. The ideal candidate will play a critical role in supporting small business owners, and other clients by evaluating creditworthiness, disbursing loans responsibly, and fostering long-term financial stability for our clients. This role requires proficiency in banking software to streamline operations, ensure accuracy, and improve efficiency.
Key Responsibilities
Empowering MSMEs and Individuals
- Identify and engage MSMEs and individuals needing financial support to achieve their business or personal goals.
- Assess business plans and financial needs to provide tailored financial solutions, ensuring alignment with Nkwaccul’s mission.
- Conduct comprehensive financial assessments.
- Prepare loan applications, ensuring clear and thorough analysis for credit committee review.
- Manage timely loan disbursements while maintaining high standards of client service.
- Build and manage a portfolio of MSME and individual clients, ensuring loan repayment schedules are met.
- Provide financial literacy training and business development support to empower clients.
- Develop and implement strategies for early intervention and recovery of delinquent loans.
- Ensure compliance with regulatory requirements and internal policies throughout the lending process.
- Maintain accurate records of all loan transactions and client interactions.
- Provide regular reports to management on portfolio performance and client engagement metrics.
- Actively participate in outreach initiatives to create awareness of Nkwaccul’s offerings among MSMEs and underserved communities.
- Collaborate with other Nkwa teams to align microfinance efforts with broader company objectives.
Compétences / Exigences / Qualités
- Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
- Minimum of 3 years of experience as a Loan Officer, preferably working with MSMEs in a microfinance or fintech environment.
- Strong understanding of MSME challenges and the role of microfinance in addressing them.
- Proficiency in credit analysis, loan products, and financial risk management.
- Excellent interpersonal and communication skills, with the ability to build trust with diverse clients.
- The analytical and problem-solving mindset with a focus on empowering clients.
- Proficiency in Microsoft Office Suite and loan management software.
- Fluency in English; knowledge of French is an advantage.
- Willingness to travel within the community to engage clients.
Profil du candidat
» Niveau d'expérience: Expérimenté
» Années d'expérience: Entre 3 ans et 5 ans
» Niveau Académique Minimum: Licence
» Années d'expérience: Entre 3 ans et 5 ans
» Niveau Académique Minimum: Licence
Documents de candidature
» Cover letter
» Curriculum Vitae
» Curriculum Vitae
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