Job Summary
- Type: full-time
- Location: Harare
- Category: Banking/Finance
- Closing Date: 2026-08-30
Key Responsibilities
- Perform credit analysis and evaluation of loan applications.
- Assist customers with loan-related inquiries and services.
- Maintain accurate records of loan transactions and customer information.
- Collaborate with other departments to ensure smooth operations.
- Stay updated on financial regulations and industry trends.
Requirements
- Minimum of 5 O’ Levels, including Mathematics and English passes.
- A minimum of 2 A’ Level passes.
- Preferably a degree in Accounting or Banking and Finance qualification.
- 2 years experience in a credit environment is desirable.
- Must be able to work under pressure.
- Must possess good listening skills and be able to pay attention to detail.
- Excellent communication skills, both oral and written.
- Team player, confident and honest.
- Able to work with minimum supervision.
How to Apply
About the Company
TV Sales & Home is a well-established retail entity operating in Zimbabwe. The company specializes in providing a diverse range of products for the home, as evidenced by its online 'Product. Catalogue.' Its name suggests a core focus on televisions and various household goods. TV Sales & Home emphasizes delivering 'Quality Guaranteed' items to its customers, underscoring its commitment to reliability. Through its dedicated website, tvsales.co.zw, the company actively serves the Zimbabwean market, offering convenient access to essential home products.
Quality Guaranteed
Website: https://www.tvsales.co.zw/
Frequently Asked Questions
What qualifications or certifications are typically required for a Loan Officer – TV Sales & Home role in Zimbabwe?
A minimum of a Diploma or Bachelor’s degree in Finance, Banking, Business Administration, or a related field is usually required. Many employers prefer candidates with certifications such as the ZIMSEC Advanced Level Business Studies, ICB qualifications, or the Zimbabwe Institute of Banking (ZIB) Certificate in Credit Management. Relevant work experience in retail lending or sales finance within Zimbabwean banks or microfinance institutions is highly valued.
What does a typical day look like for a Loan Officer in TV Sales & Home financing in Zimbabwe?
You’ll assess loan applications for consumer electronics and home appliances, verify customer documentation (ID, payslips, bank statements), and conduct credit checks using local systems like the Reserve Bank of Zimbabwe’s Credit Reference Bureau (CRB). You’ll also liaise with retailers, explain loan terms in plain Shona/Ndebele/English, and follow up on delinquencies in line with Zimbabwe’s Consumer Protection Act and banking regulations.
How does workplace culture and employer expectations differ for this role in Zimbabwe compared to other countries?
Employers expect strong interpersonal skills, cultural fluency in local languages, and sensitivity to economic realities like informal income sources and currency volatility. Punctuality, respect for hierarchy, and relationship-building with both customers and retailer partners are essential — formal dress codes and adherence to internal compliance policies (e.g., RBZ guidelines on credit risk) are standard across most Zimbabwean financial institutions.
What realistic career progression paths exist for Loan Officers in TV Sales & Home financing in Zimbabwe?
With consistent performance and further certification (e.g., ZIB Advanced Credit or CIMA), you may progress to Senior Loan Officer, Branch Credit Manager, or Product Manager for retail finance. Some move into training, compliance, or risk departments within banks or hire-purchase companies, while others transition to fintech firms offering point-of-sale credit solutions aligned with Zimbabwe’s evolving digital finance landscape.
What benefits can I realistically expect in this role, and how do they align with Zimbabwean labour standards?
Most formal employers offer at least 22 days annual leave, statutory medical aid (often through providers like NPS or Medshield), and pension contributions under the National Social Security Authority (NSSA) or private schemes. Some include transport allowances, staff loan facilities, and performance bonuses — though these vary significantly by employer size and sector stability, especially amid ongoing economic adjustments.
How should I apply, and what do Zimbabwean employers specifically look for in candidates for this role?
Apply via official bank portals, LinkedIn, or reputable job boards like MyJobZimbabwe or ZimJobs — always attach certified academic documents and a clear CV highlighting retail credit experience. Employers prioritise proven ability to assess affordability in multi-currency environments, familiarity with local credit laws, and evidence of ethical conduct, often verified through CRB reports and professional references from Zimbabwean financial institutions.