Loan Officer

Job Summary :

Brace Loans Services Limited is seeking a dynamic and community-driven Loan Officer to manage the full lending process—from client acquisition and group formation to disbursement and loan recovery. The ideal candidate will support financial inclusion by empowering underserved communities through solidarity lending.

Key Responsibilities :

Identify and recruit prospective borrowers within target communities

Facilitate formation and training of solidarity groups

Conduct loan appraisals, credit checks, and site / business visits

Collect and verify loan documentation

Present loan applications to the credit committee for approval

Oversee loan disbursements, repayments, and portfolio monitoring

Provide regular financial literacy training to clients

Maintain accurate records of borrower profiles, repayments, and group activity

Prepare and submit weekly / monthly performance and risk reports

Support branch marketing, outreach, and trust-building efforts

Work closely with community leaders, local NGOs, and co-operatives

Key Qualifications & Skills :

Diploma or Degree in Business Administration, Finance, Economics, or a related field

Minimum 2 years’ experience in microfinance, banking, or community lending

Strong interpersonal and communication skills in local languages and English

Proficiency in MS Office and loan management systems

High integrity, empathy, and professionalism

Motorcycle riding skills with a valid license is an added advantage

Knowledge of solidarity / group lending is a plus

Working Conditions :

Community-based work; frequent field visits required

Must be comfortable working with diverse groups in rural and peri-urban areas

What We Offer :

Competitive salary and performance-based incentives

Opportunity for professional growth within a mission-driven company

A chance to make a real impact in people’s lives