Field Officer (Loans)

Key Responsibilities

Sourcing & Disbursement Process:

• Conduct area surveys under the supervision of Branch Manager (BM).
• Develop effective working relationships with Center Leaders and other departments.
• Select customers based on sourcing, KYC, and credit check process.
• Create groups and centers following operational policies and guidelines.
• Perform members house verification before Customer Group Training (CGT).
• Provide CGT to customers and arrange Post Group Review Training (PGRT) and Group Review Training (GRT).
• Update customers regularly on loan disbursal status.
• Issue loan cards and sanction letters to customers.
• Ensure 100% completion of customer loan documentation and filing.
• Conduct loan utilization checks 30 days post loan disbursement (mandatory).

Collection Process

• Achieve and maintain 100% on-time repayment rate for the portfolio.
• Conduct center meetings as per policy, including prayers, attendance, cash collection, and announcements.
• Enter cash collections into software and provide receipts to customers.
• Introduce external and internal visitors during center meetings.
• Manage cash collected at centers and ensure timely deposit at the branch with official receipts.
• Regularly visit problematic and overdue (OD) centers.
• Achieve branch and Field Officer (FO) targets as assigned by the BM.
• Implement all organizational policies and procedures at the center level.
• Submit weekly and monthly reports to the Supervisor.
• Maintain and update all office documents daily (registers and files).
  

Key Skills:

• Customer sourcing and KYC verification
• Loan documentation and disbursement process
• Portfolio management and collection
• Relationship management with centers and customers
• Reporting and documentation
• Problem-solving for overdue accounts