About Company
AFC Commercial Bank is a leading financial institution dedicated to fostering agricultural and rural economic development across Zimbabwe. With a deep commitment to empowering communities, we provide tailored financial solutions that cater to the diverse needs of farmers, small and medium enterprises (SMEs), and individuals. Our extensive branch network and innovative digital platforms ensure accessibility and convenience for our valued clients. At AFC Commercial Bank, we believe in building long-lasting relationships based on trust, integrity, and mutual growth. We are more than just a bank; we are a partner in progress, contributing significantly to food security, poverty alleviation, and sustainable livelihoods in Zimbabwe. Join our dynamic team and be part of an organization that is making a real difference in the lives of many, driving economic prosperity from the grassroots up.
Job Description
AFC Commercial Bank is seeking a dedicated and community-focused Part-Time Loan Officer to join our team in Matabeleland South Province. This is an exciting opportunity for an individual passionate about financial inclusion and local economic development to make a tangible impact. As a Part-Time Loan Officer, you will be instrumental in identifying, assessing, and supporting prospective borrowers, primarily within the agricultural and small business sectors. You will work closely with community members, providing guidance on financial literacy and ensuring that our loan products meet their specific needs. This role requires a proactive approach to client outreach, meticulous attention to detail in loan application processing, and a strong commitment to risk management. You will be responsible for building and maintaining a healthy loan portfolio, cultivating strong relationships with clients, and promoting AFC Commercial Bank’s values of integrity and service excellence. The ideal candidate will be a self-starter with excellent communication skills, a solid understanding of the local economic landscape, and a desire to contribute positively to the communities we serve. This part-time position offers flexibility and an opportunity to grow within a reputable financial institution committed to rural development and empowerment. Your work will directly contribute to sustainable livelihoods and economic growth in Matabeleland South. We are looking for someone who can not only meet targets but also genuinely connect with clients, understanding their challenges and helping them achieve their financial aspirations.
Key Responsibilities
- Conduct client outreach and marketing activities to identify potential borrowers within Matabeleland South Province.
- Assist clients in understanding loan products, application procedures, and repayment terms.
- Evaluate loan applications by conducting thorough due diligence, including financial analysis, collateral assessment, and credit history checks.
- Prepare comprehensive loan proposals and present them to the Credit Committee for approval.
- Monitor loan portfolio performance, identify potential risks, and implement mitigation strategies.
- Ensure timely loan repayments through proactive client engagement and follow-ups.
- Provide basic financial literacy education and advisory services to clients.
- Maintain accurate and up-to-date client records and loan documentation.
- Collaborate with internal teams to enhance service delivery and client satisfaction.
- Adhere strictly to AFC Commercial Bank's policies, procedures, and regulatory requirements.
Required Skills
- Diploma or Degree in Banking, Finance, Business Studies, Marketing, or a related field.
- Minimum of 2 years of experience in a lending or credit assessment role, preferably in microfinance or a similar banking sector.
- Proven ability to assess creditworthiness and manage a loan portfolio effectively.
- Excellent communication, interpersonal, and negotiation skills.
- Strong analytical and problem-solving abilities.
- Proficiency in local languages relevant to Matabeleland South (e.g., Ndebele, Shona) is highly advantageous.
- Demonstrated ability to work independently and as part of a team.
- Proficiency in Microsoft Office Suite (Word, Excel).
Preferred Qualifications
- Bachelor's Degree in Finance, Business Administration, or related field.
- Previous experience working with rural or agricultural communities.
- Knowledge of local agricultural practices and market dynamics in Matabeleland South.
- Ability to use loan management software.
- Valid driver's license and willingness to travel within the province.
Perks & Benefits
- Competitive part-time salary with performance-based incentives.
- Opportunity to make a significant impact on local communities.
- Professional development and training opportunities.
- Supportive and collaborative work environment.
- Flexible working hours to accommodate work-life balance.
- Exposure to a diverse range of clients and financial scenarios.
How to Apply
Interested and qualified candidates are invited to submit their comprehensive CV and a cover letter detailing their relevant experience and why they are a suitable fit for this role. Please ensure your application highlights your experience in loan assessment and client engagement. Click on the link below to apply directly.