ABOUT UMINO

UMINO Community Loan Services is a private company limited by shares that provides financial services to rural parts of Zambia.

UMINO is derived from “UMoyo wa bwINO”, meaning “a good life,” and provides Small and Medium Enterprise (SME) loans.

The organisation provides financing, business education and advice, and business connections to entrepreneurial rural Zambians to support business start-up and growth.

JOB OVERVIEW

The Loan Officer is responsible for receiving loan applications, assessing business plans and conducting follow-up visits with clients.

The role also requires preparation of weekly work plans and undertaking other duties assigned by the supervisor.

JOB REQUIREMENTS

• Ability to ride or learn how to ride a motorbike is a must.
• Full Grade 12 Certificate with credits in English and Mathematics.
• Tertiary education in Business Studies or Agriculture-related courses.
• Strong attention to detail.
• Trustworthy, self-motivated and able to work with minimal supervision.
• Very high reliability, integrity and efficient working style.
• Basic knowledge of Microsoft Office package tools.
• Good spoken English and interpersonal skills.

PRIMARY RESPONSIBILITIES

• Create and manage your own loan portfolio.
• Market and sell company products and services to customers.
• Assess loans based on UMINO guidelines.
• Present supportable business ideas with proper and complete loan proposals to the Branch Manager.
• Monitor clients by conducting regular on-site visits according to established guidelines.
• Coach loan recipients and evaluate business activity during on-site visits.
• Write weekly reports.
• Keep the Branch Manager updated regarding loan portfolio performance so potential problems can be addressed proactively.
• Report to the Branch Manager on a day-to-day basis.

KEY COMPETENCIES

HOW TO APPLY

The supplied advert instructs applicants to submit their application and detailed Curriculum Vitae as one PDF document.

A financial lending institution is looking for a driven Loan Sales Assistant / Loan Officer to join its team and help more people in Kabwe access financial solutions.

KEY RESPONSIBILITIES

• Sales & Promotion: Actively market and sell company loan products to individuals, businesses, and groups.
• Portfolio Management: Build, grow, and manage your own clientele portfolio with excellent customer service.
• Target Driven: Meet and exceed monthly sales and disbursement targets.
• Client Relations: Educate prospects on products, process applications, and maintain strong follow-ups.

REQUIREMENTS

• Valid NRC and a working smartphone.
• Goal-oriented, ambitious, and self-motivated.
• Grade 12 School Certificate. Proof required.
• Diploma or Certificate in Business, Sales, or Marketing is an added advantage.
• Must be a resident of Kabwe with full knowledge of the city and surrounding areas.

WHAT WE OFFER

• K500.00 net monthly allowance.
• High incentives and bonuses for exceptional performance.
• Opportunity to grow your portfolio and earn based on results.
• Supportive team environment.

HOW TO APPLY

Send your CV and Grade 12 Certificate to:

Only shortlisted candidates will be contacted.

ABOUT THE ROLE

GS Cash Advance Limited is looking for motivated, ambitious and customer-focused individuals to join our team as Trainee Loan Consultant Interns.

The successful candidates will support the growth and smooth operation of our branches by promoting our salary advance products, acquiring and serving customers, conducting loan assessments, following up on repayments and contributing to the achievement of branch sales and business targets.

KEY RESPONSIBILITIES

• Promote and market GS Cash Advance salary advance products.
• Achieve assigned sales, customer acquisition and revenue targets.
• Identify and acquire new customers while maintaining strong relationships with existing clients.
• Arrange client appointments and conduct loan assessments in line with company credit policies.
• Screen and verify loan applications to ensure accuracy and completeness.
• Support the processing and disbursement of approved salary advances.
• Monitor loan repayments and follow up with clients on unpaid loans.
• Deliver excellent customer service and respond professionally to customer enquiries.
• Receive and manage customer feedback while escalating complex complaints to the appropriate supervisor.
• Participate in branch marketing, outreach and customer acquisition activities.
• Maintain accurate loan and customer documentation in line with company requirements.
• Adhere to cash management, risk management and internal control procedures.
• Work closely with Branch Managers, Senior Loan Consultants, Marketing teams and other stakeholders.
• Identify opportunities to improve sales, processes and customer experience.
• Exercise sound judgment while operating within company policies, procedures and credit guidelines.

MINIMUM QUALIFICATIONS & REQUIREMENTS

Applicants should have:

• A Full Grade 12 Certificate.
• A minimum of a Diploma, preferably a Bachelor’s degree in Banking & Finance, Economics, Business Administration, Accounting, or another relevant commercial field from a recognized institution.
• Excellent written and verbal communication skills.
• Strong analytical and problem-solving abilities.
• High levels of integrity, professionalism and accountability.
• Good knowledge of banking, accounting or financial services.
• Good computer skills and the ability to use different computer applications.
• Fluency in English and at least one local language.
• A strong customer-service and sales mindset.
• The ability to work under pressure and meet set targets.
• A willingness to learn, take initiative and work effectively as part of a team.

THE IDEAL CANDIDATE

We are looking for someone who is energetic, disciplined, confident, trustworthy and results oriented. You should enjoy working with people, building customer relationships, selling financial products and taking ownership of your performance.

This is an excellent opportunity for someone looking to build a career in financial services, sales and customer relationship management.

HOW TO APPLY

Send your application to:

Company Overview

We are a Non-Banking Micro Finance Company in Zambia, seeking a dynamic loan officer to join our team.

JOB PURPOSE

The purpose and role of the position is to vet Loan applications, recommend them for approval, and ensure excellent customer service delivery.

RESPONSIBILITIES

• Achieve sales targets as set on a monthly basis.
• Maintain excellent Customer service and care.
• Achieve 100% collection target for all loans issued.
• Ensure that Customers are served within the stipulated turnaround time (TAT).
• Accurate data capture of reports and loan applications in the system.
• Ensure compliance to all company policies and procedures.
• Ensure the precise and persuasive promotion of all products.
• Customer Retention/ Stakeholder Management.
• Review credit scores, income, debts, and asset documents to assess a borrower's risk and ability to repay.

SKILLS AND REQUIREMENTS

• Analytical Skills: strong ability to review financial records and calculate risk.
• Attention to detail: Precision in handling legal paperwork and preventing processing errors.
• Grade 12 School Certificate
• Business Degree or Higher Level Diploma, or any other professional qualification in a related field
• Experience in Sales and Marketing
• Minimum 2 years working experience in micro finance, or banking institution is an added advantage

HOW TO APPLY

To apply, please send your application to:

Please indicate the name of the position in the subject line of the e-mail: LOAN OFFICER

Broadleaf Credit is looking for motivated and results-oriented individuals to join its team as Loan Consultants.

KEY RESPONSIBILITIES

• Source, assess and process loan applications
• Conduct client due diligence and credit risk assessments
• Promote loan products and grow the client portfolio
• Manage client relationships and support loan repayments/recoveries
• Meet sales, disbursement and portfolio targets

🎓 REQUIREMENTS

• Diploma or Degree in Banking, Finance, Business, Accounting or a related field
• Experience in sales, lending or microfinance is an added advantage
• Strong knowledge of the Solwezi local business environment
• Excellent communication, sales and negotiation skills
• Must be based in Solwezi or willing to relocate

📩 HOW TO APPLY

Send your CV and relevant qualifications to:

Only shortlisted candidates will be contacted.

A Credit Officer within the Credit department is tasked with onboarding clients, evaluating clients application against numerous metrics and consequently managing a portfolio of clients throughout the life cycle of the loan.

Core Responsibilities

• Contacting customers and informing them of their overdue bills.
• Negotiating suitable payment plans.
• Maintaining customer payment records.
• Writing demand letters and final notice warnings to customers when payments are not being made.
• Responding to customer queries.
• Liaise with customers to determine their needs and recommend the right loan products to help meet their goals
• Maintain an active knowledge base of all of the organization's loan products and an understanding of the qualifications required of each applicant
• Identify and recommend products that meets the customer’s needs and the organization's lending guidelines
• Review active loan files each day to determine if any documents are missing or what can be done to help the process along
• Utilize professional judgement to determine which potential borrowers represent good risk opportunities for the organization
• Manage a portfolio of clients throughout the lifecycle of the loan

Qualifications

• Degree or diploma in Banking and finance, or any related field
• Excellent communication and customer service skills
• Strong attention to detail and a mind for numbers
• Computer Literate
• Driving License will be an added advantage

How to Apply

To apply, please send your application to:

creditcarezm@gmail.com

Please indicate the name of the position in the subject line of the e-mail: Loan Officer