Location: Kitwe
Job Type: Full-Time
Closing Date: 15th May 2026
Job Summary
We are seeking a motivated and results-driven Loan Officer to support lending operations, client acquisition, portfolio management, and debt recovery activities. The successful candidate will play a key role in growing the loan book, managing customer relationships, conducting field assessments of potential MOU companies, and ensuring effective collections.
This is a field-intensive role requiring discipline, strong communication skills, and a proactive approach to sales and credit management.
Key Responsibilities
1. Loan Origination & Client Acquisition
- Identify and recruit new clients for loan products
- Market and promote company lending products and services
- Build and maintain strong client relationships
- Conduct regular field visits and customer engagement activities
2. Field Assessments & MOU Company Evaluations
- Conduct field assessments of potential MOU companies and employers
- Verify business legitimacy, operations, and employee structures
- Assess risk profile and suitability for partnership agreements
- Prepare structured assessment reports with recommendations
- Maintain proper documentation of all field visits and findings
3. Loan Processing & Credit Assessment
- Assist clients with loan applications and required documentation
- Conduct preliminary affordability and credit assessments
- Verify client information and repayment capacity
- Ensure completeness of loan files before submission for approval
4. Portfolio Monitoring & Collections
- Monitor repayment performance and loan portfolio quality
- Follow up on overdue accounts via calls and field visits
- Conduct professional debt recovery and collections activities
- Negotiate repayment plans with delinquent clients
- Maintain low arrears and strong portfolio health
5. Customer Service & Relationship Management
- Provide ongoing client support and guidance
- Handle client queries and complaints professionally
- Educate clients on loan terms, obligations, and repayment discipline
6. Reporting & Documentation
- Maintain accurate records of field activities and client interactions
- Prepare daily, weekly, and monthly performance reports
- Ensure confidentiality and proper filing of customer information
7. Compliance & Risk Management
- Adhere to all company lending policies and procedures
- Ensure compliance with KYC and documentation standards
- Identify and report suspicious or fraudulent activities
Qualifications
- Grade 12 Certificate
- Diploma or Certificate in Banking, Finance, Business Administration, Marketing, or related field is an added advantage
Experience
- Experience in sales, collections, customer service, or microfinance is an advantage
- Recent graduates with strong drive and discipline are encouraged to apply
Skills & Competencies
- Strong communication and negotiation skills
- Sales-driven mindset with ability to meet targets
- Strong fieldwork and collections capability
- Good organizational and time management skills
- Basic computer literacy (MS Word, Excel, Email)
- High level of integrity, professionalism, and attention to detail
Working Conditions
- Field-based role with frequent travel within Kitwe and surrounding areas
- Regular engagement with clients and partner companies
- Performance-driven environment
Compensation & Benefits
Performance-based incentives Loan Officer – Kitwe
Location: Kitwe
Job Type: Full-Time
Closing Date: 15th May 2026
Job Summary
We are seeking a motivated and results-driven Loan Officer to support lending operations, client acquisition, portfolio management, and debt recovery activities. The successful candidate will play a key role in growing the loan book, managing customer relationships, conducting field assessments of potential MOU companies, and ensuring effective collections.
This is a field-intensive role requiring discipline, strong communication skills, and a proactive approach to sales and credit management.
Key Responsibilities
1. Loan Origination & Client Acquisition
- Identify and recruit new clients for loan products
- Market and promote company lending products and services
- Build and maintain strong client relationships
- Conduct regular field visits and customer engagement activities
2. Field Assessments & MOU Company Evaluations
- Conduct field assessments of potential MOU companies and employers
- Verify business legitimacy, operations, and employee structures
- Assess risk profile and suitability for partnership agreements
- Prepare structured assessment reports with recommendations
- Maintain proper documentation of all field visits and findings
3. Loan Processing & Credit Assessment
- Assist clients with loan applications and required documentation
- Conduct preliminary affordability and credit assessments
- Verify client information and repayment capacity
- Ensure completeness of loan files before submission for approval
4. Portfolio Monitoring & Collections
- Monitor repayment performance and loan portfolio quality
- Follow up on overdue accounts via calls and field visits
- Conduct professional debt recovery and collections activities
- Negotiate repayment plans with delinquent clients
- Maintain low arrears and strong portfolio health
5. Customer Service & Relationship Management
- Provide ongoing client support and guidance
- Handle client queries and complaints professionally
- Educate clients on loan terms, obligations, and repayment discipline
6. Reporting & Documentation
- Maintain accurate records of field activities and client interactions
- Prepare daily, weekly, and monthly performance reports
- Ensure confidentiality and proper filing of customer information
7. Compliance & Risk Management
- Adhere to all company lending policies and procedures
- Ensure compliance with KYC and documentation standards
- Identify and report suspicious or fraudulent activities
Qualifications
- Grade 12 Certificate
- Diploma or Certificate in Banking, Finance, Business Administration, Marketing, or related field is an added advantage
Experience
- Experience in sales, collections in microfinance is an advantage
Skills & Competencies
- Strong communication and negotiation skills
- Sales-driven mindset with ability to meet targets
- Strong fieldwork and collections capability
- Good organizational and time management skills
- Basic computer literacy (MS Word, Excel, Email)
- High level of integrity, professionalism, and attention to detail
Working Conditions
- Field-based role with frequent travel within Kitwe and surrounding areas
- Regular engagement with clients and partner companies
- Performance-driven environment
Compensation & Benefits
- Competitive salary
- Performance-based incentives
- Career growth and development opportunities
How to Apply
Interested candidates who meet the above requirements should submit the following as one PDF document:
- Cover Letter
- Curriculum Vitae (CV)
Please clearly indicate the position applied for in the subject line:
“Loan Officer – Kitwe”
Send applications to:
tandiza@tandizazambia.com
- Career growth and development opportunities
How to Apply
Interested candidates who meet the above requirements should submit the following as one PDF document:
- Cover Letter
- Curriculum Vitae (CV)
Please clearly indicate the position applied for in the subject line:
“Loan Officer – Kitwe”
Send applications to:
tandiza@tandizazambia.com
