Senior Loan Officer - Monze 2024

  • Contract
  • Operations
  • Zambia

Description

ExpressCredit is a global consumer finance company operating in Zambia and 3 surrounding countries, including Botswana, Namibia, and Lesotho. Our company helps individuals in a need of short-term and long-term financial solutions – all of which make a meaningful and lasting impact on the local communities.


Since 2018, ExpressCredit has more than tripled its global operations and grown significantly worldwide. If you want to work for a dynamic, forward-thinking and socially responsible financial services provider we are the right match for you!


To learn more about ExpressCredit, visit: www.expresscredit.co.zm


ExpressCredit Zambia, a registered non-deposit taking financial institution is inviting suitably qualified, competent, skilful and highly motivated professional based in Monze or willing to self-relocate for the Senior Loan Officer Position.


Job Purpose


Takes charge in selling YesCash Zambia products & services, screening, evaluation of loan documentation and processing of loan applications as per laid down Policies and Procedures, general customer service


Key Responsibilities


1.      Sales Point Management

 

  • Custodian of all Sales Point assets
  • Ensure Sales Point is open and ready for business by 07:55 hours.
  • Ensure Sales Point is locked and safely secured at end of day.
  • Ensure the Sales Point is clean and conducive for business and customers.
  • All equipment must be in good working condition for smooth branch operations.

 

2.      Customer Care

 

  • Ensure excellent customer service to all customers.
  • Resolve customer complaints and queries and ensure they are handled within 24hrs.
  • Escalate all customer queries and complaints that cannot be handled by the branch immediately and ensure they are resolved within 48hrs.
  • Ensure customer refund claims are handled with utmost care and customers are refunded within 48hrs.
  • All customer refund claims are completed and signed off before escalating to SSC for processing.
  • Customers are fully informed about all products and services.


3.      Loan Processing


  •  All loans are processed as per policy and procedure adhering to underwriting rules.
  • All loan files are secured in the branch daily before dispatching to Head office.
  • All loan files processed in a month are couriered to Head office for archiving during the first week of the following month.
  • All mandates are couriered to Head Office (Credit department) by Monday the following week.

 

4.      Sales

 

  • Management of Direct Sales Agents to drive sales.
  • Set daily marketing plans for DSAs and set daily targets.
  • Ensure branch sales targets are achieved.
  • Prepare monthly and weekly sales plan and send to Sales Manager and Head- Branch Operations
  • Ensure all sales plans are implemented.

 

 5.      Document Archiving


  • Ensure all documents e.g, Cash receipts, refunds, loan documents are kept safe and secure in branch before dispatching to HQ for archiving.
  • Ensure all loan documents are couriered to HQ for archiving within 5 working days of the following month.
  • All mandates are couriered to Head Office (Credit department) by Monday the following week.


6.      Reports

  • Ensure daily and weekly reports are sent completed efficiently and sent on time.



Qualifications and Requirements

  • Grade 12 School Certificate with 5 credits including English and Mathematics
  • Diploma or better in sales or any business-related course,
  • Must have a Valid Driver's Licence
  • Computer literate (Microsoft Word and Excel)
  • Relevant sales and marketing skills- Basic knowledge in financial analysis
  • Must have sales and marketing experience
  • Honesty and Integrity
  • Attention to details
  • Good organizational and multi-tasking skills.
  • Knowledgeable in YesCash Zambia Credit Procedures and Products
  • Excellent interpersonal skills
  • Good understanding of customer service principles,
  • Excellent communication skills (oral& written),