PRODUCT OFFICER – African Century 60 views

VACANCY

African Century – Product Officer – Bulawayo

The purpose of the job is to build and maintain a healthy portfolio of micro and small enterprise clients. Identify, process, and monitor new and existing clients. Ensure accurate loan appraisals, evaluations, and the efficient follow-up of arrears/delinquent clients and the provision of strong client service. Maintain up-to-
date client records and reports.

Responsibilities

• Build and maintain a portfolio of quality clients rapidly and consistently to reach target portfolio within assigned period.
• Liaise with community organizations, business associations, and individual entrepreneurs.
• Conduct loan evaluations according to policies and procedures.
• Develop an accurate evaluation of each client’s capacity and willingness to repay the requested loan.
• Ensure an appropriate guarantee or collateral is in place and documented.
• Participating in credit committees by providing input on other members’ loan proposals as well as preparing and presenting own loan proposals.
• Develop relationships with each client to support business success and cultivate loyalty.
• Implement late repayment recovery procedures of African Century Limited.
• Achieve and maintain targets on portfolio at risk and loan loss.
• Build rapport with community, business associations and leaders in own geographical zone.
• Facilitate opening of deposit accounts to borrowers and non-borrowers.
• Efficiently and accurately complete all forms and administrative steps required to manage the Deposit and loan portfolio and contribute to the smooth operation of ACL.
• Responsible for managing potential risks, complying with the risk manual and any other available working manuals.
• Report all suspicious transactions and incidents of money laundering in line with policies.

Requirements

• A minimum of Diploma/Higher National Diploma or Bsc in Business, Banking, Finance, Accounting, Economics, and/or related fields with numerate coursework.
• Excellent computer literacy and experience with Microsoft Office applications, especially Excel.
• Two years’ prior experience in the Banking profession in sales or Marketing is a plus.
• Strong written and oral communication skills.
• Strong interpersonal skills.
• Good time management and planning skills.
• Ability to work as part of a team.
• Honesty and Integrity.
• Quick Learner.