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2 days ago
Job Summary
- Employer: Doves Financial Services
- Job Type: Full-time
- Location: Harare, Zimbabwe
- Category: Finance
- Closing Date: 2026-10-19
Key Responsibilities
- Seek out eligible clients for loans
- Increase loan revenue by achieving sales targets
- Conduct effective loan evaluations
- Track and maintain loan and credit information
- Guide customers on loan amounts if rejected
- Explain financial risks and conduct financial literacy training for all customers
- Engage in marketing
- Ensure effective client retention
- Conduct effective debt collection
- Maintaining Par30 below 5%
Requirements
- Experience in business loans
- Knowledge of Harare markets
- At least one year of driving experience with a clean licence.
- Commercial Degree/Diploma.
- Excellent communication and customer service skills.
- At least one year of SME lending experience
How to Apply
Apply by email: hr@doves.co.zw
About the Company
Doves Financial Services is a key financial institution operating within Zimbabwe, committed to bridging the financial gap for its diverse clientele. The company offers essential financial solutions, notably including comprehensive foreign exchange services. As indicated by its published buying and selling rates for major currencies like USD, RSA, and GBP, Doves Financial Services plays a vital role in facilitating currency transactions across the Zimbabwean economy. Its core mission is to connect individuals and businesses with the crucial financial services they require.
Bridging the financial gap
Frequently Asked Questions
What qualifications or certifications are typically required for an SME Loans Officer role in Zimbabwe?
Most employers require a degree in Banking, Finance, Economics, or Business Studies from a recognized Zimbabwean university. Professional certifications like the Institute of Bankers of Zimbabwe (IBZ) diploma or CISI qualifications strengthen your application. Practical experience in credit analysis or microfinance is often preferred.
What are the typical day-to-day responsibilities of an SME Loans Officer at a financial services company in Harare?
You will assess loan applications from small and medium enterprises, conducting credit checks and site visits across Harare. Daily tasks include analyzing financial statements, preparing risk reports, and managing client relationships. You will also monitor existing loan portfolios and follow up on repayments.
How does workplace culture and employer expectations differ for loan officers in Zimbabwe compared to other countries?
Zimbabwean employers emphasize personal accountability and relationship-building with clients in a challenging economic environment. Punctuality and professional appearance matter greatly, and you may need to work flexible hours to meet clients. Employers value resilience and local market knowledge over rigid adherence to international protocols.
What career progression opportunities exist for SME Loans Officers in Zimbabwe's financial sector?
With strong performance, you can advance to Senior Loans Officer, Credit Manager, or Branch Manager positions within three to five years. Some professionals transition into risk management, business development, or executive roles at larger institutions. Building a solid track record in SME lending opens doors in both banking and microfinance sectors.
What benefits are typically offered to Loans Officers by financial services employers in Zimbabwe?
Standard packages usually include medical aid, pension contributions, and annual leave as prescribed by Zimbabwean labor law. Some employers provide performance-based incentives, fuel allowances for client visits, and funeral insurance. Benefits vary significantly by institution size and profitability.
How should I apply for an SME Loans Officer position, and what do Zimbabwean employers prioritize in candidates?
Submit a concise CV and cover letter through advertised channels or directly to HR departments, highlighting any credit or sales experience. Employers prioritize candidates with proven numerical skills, integrity, and existing networks within Harare's business community. Prepare for practical assessments involving case studies or mock client evaluations.
