Credit Officer-AFCL Full-Time

The AMSCO Mozambique is hiring a Credit Officer-AFCL.

Job Purpose

This position is responsible in Credit department  for Alliance Finance Corporation Limited.

Division and Department

• AFCL-Credit;
• Level/ Band: L4/L3.

Key Responsibilities

• Meet with applicants to obtain information for loan applications and to answer questions about the process;
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services;
• Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information;
• Review and update credit and loan files;
• Review loan agreements to ensure that they are complete and accurate according to policy;
• Stay abreast of new types of loans and other financial services and products in order to better meet customers’ needs;
• Submit applications to credit analysts for verification and recommendation;
• Handle customer complaints and take appropriate action to resolve them;
• Market financial products to individuals and firms, promoting AFCL services that may meet customers’ needs;
• Updating and preparing daily reports;
• Send statements of delinquencies to credit bureau.

Desired Profile

• Must have experience in the banking sector;
• Must have Credit management exposure;
• Must have excellent communication and inter-personal skills;
• Understanding of retail finance.

Educational Qualifications

• Commerce or Finance Graduate.

Relevant years of Experience

• Between 4-6 yrs of experience (overall).

Competencies

• Relationship building.
• Communication &Interpersonal skills.
• Presentation skills.
• Credit management.

Proficiency in spoken and written Portuguese and English

Reports To (Name)

• Credit Manager.

Reportees

• Back Office.

Industry Preference

• Bank/NBFC.

Salary

• 30,000.00 MZN to 40,000.00 MZN.

Age Limit

Above 30 yrs.