Loan Officer – Lecole Finance (U) Ltd | Job Description

About Lecole Finance (U) Ltd

• Integrity
• Transparency
• Responsible lending
• Strong customer relationship management

Position Overview

Job Purpose

Key Responsibilities

• Meet with existing and prospective clients to understand borrowing needs.
• Explain available loan products and financial solutions.
• Guide customers through the loan application process.
• Provide professional advice on suitable lending options.
• Build and maintain strong relationships with clients.
• Respond to customer inquiries and provide timely support.
• Identify opportunities for portfolio growth through customer engagement.

2. Credit Assessment and Loan Underwriting

• Receive and review loan applications.
• Collect and verify client documentation including:
  • Identification documents
  • Income records
  • Business information
  • Supporting financial documents
• Assess customer creditworthiness.
• Conduct preliminary risk analysis.
• Evaluate borrower repayment capacity.
• Prepare complete and accurate loan files for approval.
• Ensure applications comply with lending procedures.

3. Loan Origination and Portfolio Management

• Manage loans from initial inquiry through final disbursement.
• Coordinate loan processing and approval procedures.
• Maintain accurate digital and physical loan records.
• Monitor loan performance and repayment schedules.
• Follow up on outstanding repayments.
• Support growth of a quality loan portfolio.
• Identify potential repayment risks and recommend solutions.

4. Loan Documentation and Record Management

• Ensure all loan documents are properly completed.
• Maintain accurate customer records.
• Update loan management systems.
• Track loan applications and approval status.
• Ensure confidentiality of client financial information.
• Prepare reports on loan activities and portfolio performance.

5. Customer Service and Compliance

• Provide continuous support to existing borrowers.
• Handle customer complaints and inquiries professionally.
• Promote ethical lending practices.
• Ensure compliance with:
  • Internal lending policies
  • Financial regulations
  • Customer protection standards
• Maintain professionalism and confidentiality when handling client information.

Minimum Requirements and Qualifications

• Diploma or Bachelor’s Degree in:
  • Finance
  • Banking
  • Business Administration
  • Accounting
  • Economics
  • Related fields

Professional Experience

• Loan origination
• Credit assessment
• Loan processing
• Credit management
• Customer relationship management

• Microfinance institutions
• Commercial banks
• Lending companies
• Financial institutions

Technical Skills Required

• Understanding of financial principles.
• Knowledge of credit underwriting procedures.
• Ability to review financial documents.
• Basic knowledge of loan management systems.
• Computer literacy and digital record management skills.
• Ability to prepare financial reports.

Key Competencies and Skills

• Excellent customer service skills.
• Strong analytical abilities.
• Attention to detail.
• Good decision-making skills.
• Strong organization and planning skills.
• Ability to assess financial risks.
• Good communication and negotiation skills.
• High level of integrity and professionalism.
• Ability to work with targets.
• Reliability and accountability.

Career Growth Opportunities

• Senior Loan Officer
• Credit Analyst
• Credit Supervisor
• Relationship Manager
• Branch Manager
• Credit Manager
• Financial Services Manager

How to Apply