Microfinance Officer
Vacancies Global
·
Ghana
Full Time
Job Expires in
4w 18h
Key Responsibilities:
- Client Acquisition and Relationship Management:
- Identify and recruit potential clients for microfinance products and services.
- Build and maintain strong relationships with clients to understand their financial needs.
- Educate clients on financial literacy and the benefits of microfinance services.
- Loan Assessment and Processing:
- Conduct assessments to evaluate clients’ eligibility for loans.
- Prepare, process, and submit loan applications in line with organizational procedures.
- Ensure all documentation is accurate and complete before loan approval.
- Loan Disbursement and Monitoring:
- Disburse approved loans promptly and accurately.
- Monitor the utilization of loans to ensure they align with the intended purpose.
- Conduct regular follow-ups with clients to track progress and repayment status.
- Repayment Collection and Recovery:
- Manage loan repayment schedules and ensure timely collection of dues.
- Address repayment delays or defaults by coordinating recovery strategies.
- Training and Capacity Building:
- Conduct financial literacy workshops and training sessions for clients.
- Guide clients on savings, investments, and income-generating activities.
- Reporting and Compliance:
- Maintain accurate records of all transactions, loans, and client interactions.
- Prepare regular reports on loan performance, repayment rates, and client feedback.
- Ensure compliance with regulatory standards and organizational policies.
- Market Research and Product Development:
- Gather insights on market trends and the financial needs of the community.
- Collaborate with the team to develop and improve microfinance products and services.
- Customer Support:
- Address client inquiries and concerns promptly and professionally.
- Resolve disputes or issues related to loans and financial services.
Qualifications and Skills:
- Education:
- Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
- Additional certifications in microfinance or financial services are a plus.
- Experience:
- Previous experience in banking, microfinance, or financial services is preferred.
- Technical Skills:
- Proficiency in financial management and credit analysis.
- Familiarity with microfinance software and tools is an advantage.
- Soft Skills:
- Strong interpersonal and communication skills.
- Excellent negotiation and problem-solving abilities.
- Organizational skills with attention to detail.
- Personal Attributes:
- High level of integrity and commitment to ethical practices.
- Passion for community development and empowering underserved populations.
- Ability to work independently and as part of a team.
Work Environment:
- Fieldwork to engage with clients and assess their financial needs.
- Office-based tasks for reporting, documentation, and administrative duties.
- Flexibility to travel within the assigned region or community.
Salary
Competitive
Monthly based
Location
Accra, Greater Accra Region, Ghana
Job Overview
Location
Accra, Greater Accra Region, Ghana