• The Assistant Loan Officer is responsible for the growth of business lending for FINCA, Pakistan in the target market and region.
• The Loan Officer is focused on community outreach in order to increase the visibility of FINCA and originate quality loan applications.
• The Loan Officer must be driven by FINCA's mission to provide financial services to Pakistan's lowest-income entrepreneurs so they can create jobs, build assets and improve their standard of living.
• The ALO works with internal staff and external customers to successfully generate quality business loans in their respective markets.
• The position is directly responsible for business development and sales and will have specific lending goals to attain during each month.
• To build a good rapport with clients to make repeat clients.
• To follow up on delayed installments.
• To assist all seniors including Relationship or Branch Manager to initiate collateral liquidation if a client defaults on a loan.
• Helps RM/BM prepare reports to send customers whose accounts are delinquent, and forward irreconcilable accounts for collector action (whichever applicable).
• The LO also does cross-sell.
• The Loan Officer typically works under direct supervision and guidance of RM or Branch Manager

Competencies & Training

Core Competencies:

• Client focus, Interpersonal skills
• Communication planning & organizing, Initiative
• Judgment & decision making, Influencing/persuasiveness

Professional Training:

• Persuasion & influencing, Customer service, Goal setting.
• Giving and receiving feedback, Communication skills.

Technical Training:

• Loan products review, Lending cycle, Standards of client service, Client acquisition
• Balance, Profit & loss, Screening, Crosscheck, Financial ratios, Risk analysis
• Completing form, Loan agreement, and Monitoring collections, Symptoms of fraud, Policies & procedures.