Micro Account Officer

The Account Officer – Microfinance is responsible for achieving branch loan booking targets, managing loan application processing, maintaining portfolio quality, and supporting collection activities. The role also supervises Field Credit Associates (FCAs) to ensure effective marketing, customer service, and collection performance.

Key Responsibilities

Business Development and Marketing

Achieve assigned loan booking and portfolio growth targets

Assist walk-in clients and prospective borrowers with product inquiries and loan applications

Conduct product orientations and marketing activities within and outside bank premises

Develop and implement effective marketing strategies to expand the branch's client base and generate quality loan leads

Loan Processing and Credit Evaluation

Process and evaluate loan applications in accordance with bank policies and procedure

Gather, review, scan, and upload client documents and requirement

Conduct Know Your Customer (KYC) validation for new and repeat loan applicant

Perform field visits to verify business operations, inventory, and client information

Analyze borrower capacity and creditworthiness and provide recommendations for approval

Coordinate loan booking and release activities to ensure timely processing

Portfolio Management and Collections

Monitor loan portfolio quality and ensure compliance with the Bank's Portfolio at Risk (PAR) targets

Discuss payment arrangements and collection strategies with clients

Coordinate collection arrangements and endorse delinquent accounts to the appropriate remedial unit when necessary

Support collection efforts through client visits and follow-up activities

Team Supervision and Performance Management

Supervise and monitor the activities of Field Credit Associates (FCAs) in marketing, collections, and client servicing

Review and validate collections handled by FCAs

Ensure timely and efficient delivery of customer service

Address operational issues and provide guidance to team members

Evaluate FCA performance and recommend developmental actions to improve productivity and effectiveness

Reporting and Administrative Support

Prepare and submit required microfinance and portfolio reports

Maintain accurate client records and documentation

Perform other duties and responsibilities as assigned by management