Place of Work: Hosanna, Gibe, Gimbichu & Mudula Branch Offices

About the Organization:

VisionFund Micro Finance Institution (S.C) is an Institution established according to proclamation No. 40/96 to provide financial services to the productive poor in the rural and urban areas of Ethiopia. VisionFund is currently operating in four of the Regional States of the country.

VisionFund MFI is currently looking candidates to fill the following vacancies for batch recruitment for Junior Customer Service Officer role. The successful candidates will have skills and experience that meet the following requirements:

Major Responsibilities

Promotion & Marketing

• Assists in conducting market research and survey activities;
• Solicits new loan accounts in accordance with specific periodic performance targets prescribed in the branch business plan;
• Conducts active marketing campaign to attract new clients;
• Orients prospective clients about Vision Fund MFI products;
• Assists the branch manager in preparing annual plans and budget

Manage loan and saving process

• Receives loan applications and perform credit appraisal on loan applicants and his/her surety/ guarantor, if any;
• Conducts inspection and/or appraisal of any property being offered as collateral;
• Prepares and presents credit applications to the branch credit committee for approval and arrange venue for loan;
• Prepares schedules and disburses loans and collects repayments
• Daily handover all collected cash to the teller/cashier
• Assess client history & performance to recommend for repeat loan

Manage loan process

• Receives family loan applications and perform credit investigation on loan applicants and his/her surety/ guarantor, if any;
• If necessary, conducts inspection and/or appraisal of any property being offered as collateral;
• Prepares and presents credit applications to the branch credit committee for approval;
• Prepares schedules and disburses loans and collects repayments from consumer client
• Assesses client history & performance to recommend for repeat loan

• Closely monitors loan payments and ensures zero tolerance against past due;
• Effectively negotiates with clients in arrears
• Undertakes timely follow up and analysis of past due loans and proper documentation thereof
• Assists other loan officers in managing delinquency crisis

• A minimum of TVET Diploma (10 +1, 10+2, 10+3, 0r Level I, II, III, IV,), College Diploma or BA Degree in Accounting, Management, Banking & Insurance, Marketing, Rural Development, Cooperative or related social science fields
• Minimum of one year and above experience
• Determined personality with initiative, perseverance and the ability to motivate and manage a team
• Capability and willingness to take responsibility and highly developed sense of rectitude
• Ready to comply and live up to and in accordance with the organization Ideals and Core Values
• Good knowledge in economic and financial topics
• Good analytical and problem solving skills
• Computer literacy is desirable
• local language knowledge