11 Personal Banker - Micro Lending job at Housing Finance Bank | Apply Now

• Active mobilization, sensitization, recruitment, and recovery of Microfinance Loans, manage existing client relationships to increase/grow Housing Finance Bank share of wallet in the microfinance space as well as promoting a savings culture among them.

• Initiate credit applications for assessment / review by completing the documentation (including financial analysis) and submitting to the credit committee for approval in line with credit policies and procedures. Prepare sales and productivity performance reports as shall be required from time to time detailing the performance progress.

• Present loan files to the credit committees for decision making where necessary and give feedback to applicants in line with the lending policy and procedures of the Bank.

• Ensure effective monitoring of loans with reference to risk management framework, customer service standards and loan terms through regular visits to clients and manage delinquency /early warning signs of default by following up on problem clients.

• Prepare sales and productivity performance reports as shall be required from time to time detailing the performance progress.

• Develop and implement a sales plan and champion specific product selling campaigns to achieve and exceed sales targets.

• Liaise with the Credit Department through the Managers in the Microfinance Department to initiate and participate in the recovery actions for loans in default.

• Handle customer queries and complaints and resolve them in a timely manner and escalate any unresolved queries in line with the Customer Service Charter.

• Deliver accurate and quality loan documentation, in line with approved terms and operating policies.

Financial Responsibility

• Achieve set targets through effective relationship management on assets growth, liability growth and a good quality asset book that will drive profitability of the branch.