Base office: Branch of SAJIDA Microfinance Reports To : Branch Manager Employment Type : Full-time Job summary. A Credit Officer (CO) is primarily responsible for managing a portfolio of SAJIDA Enterprise Loan (SEL) which involves marketing/surveying, loan generation, loan disbursement, weekly/biweekly/monthly instalment collection, digitization, delinquency management & administrative work. The position requires regular field visits to monitor individual clients, maintain accurate records and ensure adherence to organizational policies and rules. Key responsibilities 1. Client management: • Surveying/marketing organization’s product line in potential business area to find potential clients on a daily basis. • Organizing potential clients, giving them orientation training regarding organization’s product line, fee structure & necessary requirement of the loan. • Verifying each client to confirm their credit worthiness, filling admission form to admit them to the institution & verifying required documents. • Overseeing 15-20 clients daily & minimum 100 active clients per week. • Visiting scheduled clients daily, updating passbooks, following up with overdue & ensuring guarantor responsibility to manage overdue. • Providing financial literacy training to the individual members to train them on loan utilization, loan sharing, loan increment, new product line & holidays. 2. Loan and financial management: Achieving the organization’s set targets regarding Key Performance Indicators (KPIs) such as the number of clients, portfolio outstanding & Portfolio at Risk (PAR). Originating loans, filling up loan application forms, verifying the clients & guarantors, getting recommendation from the Branch Manager & Approval from Area Manager/Coordinator. Submitting approved loan application forms to Branch accountant at least a day before the disbursement, ensuring exact clients get the loan & orient the client on loan amount, weekly installment amount, fees & charges, security amounts & update the passbook. Realizing weekly/Biweekly/Monthly loan instalments & advances from individual members, recording them on the respective client’s passbook. Protecting the realized amount in a secured manner while transporting to other member & back to office. Updating the exact loan installment realization via mobile app at the client’s place & syncing the installment into the system when back to the office. Depositing loan installment realization & advance realization to the accountant in time, writing cashbook & signing on the depositor’s space for amount deposited. Processing security return & security adjustment in presence of the client, signing on the security return register for each security adjustment & security return. Maintain accurate loan-related forms and registers on a daily basis, avoiding corrections with white ink. Liaise with Field Officer & Branch Manager to graduate SML client to SEL loan product. Encourage clients to adopt to monthly collection method & pay installment digitally via SAJIDA Microfinance’s Mobile Money account. 3. Administrative duties Mastering the organization’s mission, vision & values to practice them on day to-day activities. Ensuring Health, Happiness & Dignity for all. Complying with all manuals, policies & circulars outlined by the organization. Attend the office in time, signing the branch office's attendance and movement register regularly. Preparing and submitting daily/weekly/monthly plans for loan disbursement to the Branch Manager. Preserving all official documents in accordance with the data privacy policy of the organization. Attending meetings & trainings organized by the institution. Preparing, Analyzing & submitting daily/weekly/monthly performance related reports the supervisor. Joining & leading teamwork on a regular basis to help & uplift branch performance. Maintaining respectful relationship with both peers & clients at level. Always refrain from fraudulent activities, financial & non-financial irregularities. Attend administrative proceedings outlined by the organization once proven with fraud & misappropriation. Performing any other responsibility assigned by the management. How to Apply: All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section
