Client Officer

 

a)       Roles and Responsibilities

 

1)      Area Survey

Map new operational areas and conduct basic market survey and analysis as per operations policy.

 

2)      Product promotion

Undertake product marketing in appointed area of operations by conducting client meeting, issuing pamphlets, and other methods.

 

3)      New Borrower Identification and Induction

a.       Identify potential new group and individual borrowers.

b.       Conduct a thorough introduction of the organization and its products and services to potential clients.

c.       Assist borrowers in group formation.

 

4)      Information for Credit Bureau

Information as required for credit bureau check is collected from the prospective client and shared with back office in the specified format.

 

5)      Documentation

a.       Verify and collect relevant KYC documents (copies of proof of identity and address) from the prospective clients as per operations policy.

b.      Fix appointment for filling application form at Client’s house and complete the loan application form and cash flow form as per operations policy in presence of the client and guarantor.

c.       Ensure that the documentation is delivered to the Head Office as per the procedures in the operations policy.

 

6)      Support Loan Assessment

The loan assessment is conducted by the Branch Manager based on the application form and other related documents submitted.

7)      Loan Disbursement

a.       Ensure that the loan contract is executed on the day of disbursement and that the client has received their loan card with detailed repayment schedule.

b.       Ensure that all guarantors have signed the contract.

c.       Re-confirm that the borrowers and guarantors both have understood the repayment terms and conditions and schedule properly.

 

8)      Delinquency Follow-up

a.       Get the list of delinquent client’s from Service Officers and Follow up with delinquent borrowers.