Credit Officer

Zambia, Full Time

We are searching for a bold and conscientious Loan and Collections Officer to process our loans and also to contact defaulters on loans and work with them to develop plans to pay those debts back. Our Credit officers go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the credit lending process

Evaluate credit worthiness by processing loan applications and documentation within specified limits
Interview applicants to determine financial eligibility and feasibility of granting loans
Determine all applicable ratios and metrics and set up debt payment plans
Communicate with clients either to request or to provide information
Justify decisions (approvals/rejections) and report on them
Prepare presentations for the Credit Risk Committee to review and authorise
Complete loan contracts and counsel clients on policies and restrictions
Update job knowledge on types of loans and other financial services
Maintain and update Loan management system records
Assess customer needs, explore all options, and introduce different types of loans
Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
Operate in compliance with laws and regulations and adhere to lending compliance guidelines
Review the company debtor list.
Contact customers and informing them of their overdue bills.
Advise customers on their payment options and suggesting methods of payments.
Negotiate suitable payment plans.
Maintain customer payment records in our Loan Management System.
Write notice warnings to customers when payments are not being made.
Respond to customer queries.
Knowledge of payment plans and debt recording procedures
Versatile and able to get involved in other company operations


Bachelor’s degree in Accounting, Business Management, or a similar field.
Valid driving license is an added advantage
Previous experience working as a Loans and Collections Officer (+1 years)
Strong verbal, written, and interpersonal skills
Confident and brave personality to approach and work with disagreeable defaulters
Excellent negotiating skills.
Patience and resilience

Interested candidates meeting the above requirements and qualifications should apply in writing by sending their CV only (at this stage), stating the position applied for in the subject to email: [email protected]
Closing Date: 28th April 2022

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