Job Responsibilities
- Evaluate credit worthiness by processing loan applications and documentation within specified limits
- Interview applicants to determine financial eligibility and feasibility of granting loans
- Determine all applicable ratios and metrics and set up debt payment plans
- Communicate with clients either to request or to provide information
- Justify decisions (approvals/rejections) and report on them
- Complete loan contracts and counsel clients on policies and restrictions
- Update job knowledge on types of loans and other financial services
- Maintain and update account records
- Assess customer needs, explore all options, and introduce different types of loans
- Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
- Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
- Operate in compliance with laws and regulations and adhere to lending compliance guidelines
Job Requirements
- B.Sc. Degree in Finance, Marketing, Economics, or a related field
- Proven working experience as a Sales Officer
- Familiarity with computers and banking applications/software
- Solid understanding of direct/indirect lending products and practices
- Excellent communication and interpersonal skills
- Customer satisfaction orientation and sales competencies
- Ability to work in a goal-oriented environment
- Excellent communication, influencing and negotiation skills
Person Specification:
- Results-orientated and pragmatic with exceptional quantitative and analytical ability and attention to detail
- Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities
- High level of integrity and dependability with a strong sense of urgency.
- A focus on execution. Willing and able to get hands dirty.
- Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method and outcomes yourself
- Ability to create effective working partnerships with senior leaders, challenge the thinking of others in respectful and thoughtful ways, influence upwards.
- Big picture thinker, a “never settle’ mindset.
How to Apply
Interested and qualified? Go to Credit Direct Limited on creditdirect.seamlesshiring.com to apply