Field officer

Loan Officer is responsible for assessing loan applications, evaluating customers’ creditworthiness, processing loans, and ensuring that approved loans are properly disbursed and repaid. Key Responsibilities: Receive and review loan applications from customers. Conduct customer interviews and collect required documents. Assess customers’ creditworthiness, income, business activities, and repayment capacity. Conduct customer visits and verify business and residential addresses. Perform credit checks and evaluate potential loan risks. Recommend loans for approval based on company policies and lending criteria. Explain loan terms, repayment schedules, and conditions to customers. Monitor loan repayments and follow up on overdue accounts. Contact customers with outstanding payments and support loan recovery efforts. Maintain accurate customer and loan records. Prepare daily, weekly, and monthly loan reports. Monitor loan portfolios and identify accounts at risk of default. Ensure compliance with company lending policies and procedures. Build and maintain good relationships with customers. Support customer acquisition and promote the organization's loan products. Escalate high-risk or problematic accounts to management. Skills Required Good communication and customer service skills