Reports to: Branch Manager

Supervises: Microfinance Supervisor, Development Officer

Key Responsibilities

Credit Initiation

• Interviews clients, assists with loan applications, and conducts loan counseling.
• Logs and processes credit applications, conducts credit investigations, and ensures document completeness.
• Classifies and monitors loan accounts.

Loan Documentation

• Verifies and ensures completeness of promissory notes and required documents.
• Ensures proper signing and legal registration of collaterals.
• Manages collateral custody and releases upon full payment.

Loan Release, Monitoring, and Collection

• Reviews and secures authorization for loan releases.
• Ensures proper fund utilization and timely collection efforts.
• Maintains updated loan documentation and meets collection targets.

Vault and Safe-Keeping

• May be responsible for vault combinations, ensuring compliance with internal controls.

Credit Application Management

• Ensures an adequate supply of loan-related forms and documents.

Loan Documentation Release & Maintenance

• Verifies borrower signatures, computes interest, and prepares legal documents.
• Creates and updates customer records, tracks insurance coverage, and manages document notarization.

Loan Monitoring – Current Accounts

• Tracks and analyzes current loans and prepares reports.
• Sends reminders and coordinates with collectors to prevent delinquencies.

Loan Monitoring – Delinquent Accounts

• Monitors overdue loans and initiates curative measures.
• Prepares reports, reclassifies overdue loans, and manages legal cases.
• Sends collection notices and facilitates client visits as needed.

• Willing to be assigned to other branches within the area of operation.