Relationship Officers needed for a savings & loans company (Akim Oda)

• Interviews prospective clients, guides and assists the individual clients in completing the application form ensuring that all required documentation is provided by the client.

• In coordination with the Credit Department performs pre-qualification assessment including visits to the client’s place of business, community background checking, and analysis of financial condition and risk of financing within framework of the bank’s lending policies and recommends credit worthiness of client.

• Communicates to the client the approval or disapproval of his/her loan; if approved, discusses the terms and conditions of the loan and ensures that they are clearly understood by the client prior to the signing of the contract.

• Co-ordinates the processing of the loan application ensuring that loans are processed according to the organisation’s lending policies and client’s needs.

• Facilitates the disbursement process and ensures that the clients get the approved amounts of loans.

• Monitors credit performance of clients including status of payments and conditions of the client’s business.

• Prepares weekly and monthly performance reports for easy monitoring.

• Monitors loan utilisation and business growth to ensure regular loan payments and future loan application.

• Conducts collection follow-ups.

• Collects past due or delinquent accounts of up to 90-days based on the aging report prepared by the Credit Department.

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