About Company
MicroKing Finance, a proud subsidiary of CBZ Holdings, stands as a beacon of financial empowerment in Zimbabwe. For over a decade, we have been committed to fostering economic growth by providing accessible and tailored microfinance solutions to individuals, small businesses, and communities often underserved by traditional banking institutions. Our mission is to transform lives by offering credit facilities that facilitate entrepreneurship, expand opportunities, and promote financial inclusion across urban and rural landscapes. We believe in building strong relationships with our clients, understanding their unique needs, and guiding them towards sustainable financial success. Join a dynamic team dedicated to making a tangible difference in the lives of Zimbabweans, upholding principles of integrity, innovation, and client-centric service.
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Job Description
Are you a passionate and driven individual with a keen understanding of financial products and a desire to make a real impact? MicroKing Finance is seeking a dedicated Bank Loan Officer (Microfinance) to join our growing team in Harare. This pivotal role involves identifying, assessing, and cultivating relationships with potential and existing clients seeking microfinance loans. You will be responsible for the entire loan lifecycle, from initial client outreach and application processing to credit assessment, disbursement, and effective portfolio management. Your daily activities will include conducting thorough due diligence, analyzing financial statements, ensuring compliance with lending policies, and actively monitoring loan performance to minimize risk and maximize portfolio health. This is more than just a lending role; it’s an opportunity to empower entrepreneurs, support local businesses, and contribute directly to the socio-economic development of our communities. We are looking for someone with excellent interpersonal skills, a strong ethical compass, and a proactive approach to problem-solving. If you thrive in a challenging yet rewarding environment and are committed to financial inclusion, we encourage you to apply.
Key Responsibilities
- Conduct proactive client outreach to identify potential borrowers in target markets.
- Guide clients through the loan application process, ensuring all required documentation is collected accurately and completely.
- Perform thorough credit analysis, including assessment of business plans, cash flows, and collateral.
- Prepare detailed loan proposals and present them to the credit committee for approval.
- Ensure strict adherence to MicroKing Finance's lending policies, procedures, and regulatory requirements.
- Facilitate loan disbursement and ensure clients understand their repayment terms and obligations.
- Manage an assigned loan portfolio, actively monitoring repayment schedules and proactively addressing potential delinquencies.
- Build and maintain strong, trust-based relationships with clients through regular communication and field visits.
- Provide financial literacy and business advisory support to clients where appropriate.
- Contribute to the achievement of individual and team lending targets and portfolio quality objectives.
- Prepare regular reports on loan portfolio performance, client interactions, and market trends.
Required Skills
- Bachelor's degree in Banking, Finance, Business Studies, Economics, or a related field
- Minimum of 2 years of experience in microfinance, banking, or a related lending environment
- Proven track record in credit analysis, loan origination, and portfolio management
- Strong understanding of microfinance principles and products
- Excellent communication, negotiation, and interpersonal skills
- Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
- Ability to work independently and as part of a team in a fast-paced environment
- High level of integrity and ethical conduct
Preferred Qualifications
- Post-graduate qualification in Finance or Business
- Experience with a core banking system or loan management software
- Fluency in local indigenous languages (e.g., Shona, Ndebele) is an added advantage
- Valid driver's license and willingness to travel extensively within assigned areas
Perks & Benefits
- Competitive salary package
- Performance-based incentives and bonuses
- Comprehensive medical aid and pension benefits
- Opportunities for professional development and career growth within CBZ Holdings
- Supportive and collaborative work environment
- Opportunity to make a tangible impact on community development
How to Apply
Interested and qualified candidates are invited to submit their applications by clicking on the application link below. Please ensure your CV and cover letter clearly demonstrate how your skills and experience align with the requirements of this role. Only shortlisted candidates will be contacted for interviews.
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