The Field Officer (Loan Officer)

The Field Officer (Loan Officer) is responsible for mobilizing clients, conducting loan appraisals, supporting loan disbursement, monitoring repayments, and maintaining a high-quality loan portfolio. The role involves extensive fieldwork, strong community engagement, and direct client support, while ensuring compliance with credit Key Responsibilities: Client Mobilization & Business Development • Identify, sensitize, and recruit potential clients within assigned areas. • Facilitate group formation and training for group lending methodologies. • Promote loan, savings, and other financial products. • Build strong relationships with community leaders and local networks. Loan Appraisal & Processing • Conduct detailed loan assessments including business visits, household checks, and cash-flow analysis. • Verify client information, guarantors, collateral, and business viability. • Prepare accurate appraisal reports and ensure clients understand loan terms and obligations. Loan Disbursement & Portfolio Management • Support timely and compliant loan disbursement. • Monitor repayments through field visits, center meetings, and follow-ups. • Maintain portfolio quality by ensuring on-time repayments and actively recovering overdue loans. • Take proactive action to reduce Portfolio at Risk (PAR). Customer Service & Client Support • Provide basic financial literacy and business advisory support to clients. • Handle client inquiries and complaints professionally. • Maintain a positive institutional image in the community. Reporting & Compliance • Prepare daily, weekly, and monthly field and portfolio reports. • Maintain accurate client documentation and system entries. • Adhere strictly to credit policies and regulatory guidelines. • Immediately report suspected fraud, misrepresentation, or operational risks. • Diploma or Bachelor’s in Microfinance, Business, Finance, Accounting, or related field. • 2–5 years microfinance experience preferred. • Fieldwork experience required (motorcycle riding skill is an advantage). How to Apply: All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section

• Identify, sensitize, and recruit potential clients within assigned areas. • Facilitate group formation and training for group lending methodologies. • Promote loan, savings, and other financial products. • Build strong relationships with community leaders and local networks. • Fieldwork experience required (motorcycle riding skill is an advantage).