Loan Officer Supervisor (Individual Loan) at VisionFund Tanzania

Work Reference No. 22/24
Reporting to: Branch/Business Center Manager

Job Purpose:
The Loan Supervisor is responsible for overall supervision of individual loan officers to deliver the agreed portfolio and client target with quality within the agreeable and acceptable level. The oversight will include monitoring loan officers to operate within acceptable operation areas, verification of clients brought by loan officers, supporting loan officers with daily reports and other essentials to enable them to deliver their required targets, conducting screening of clients, and providing appropriate recommendations to loan officers and Branch/Business Center Managers. The position holder also provides periodic reports to the Branch Manager and Regional Manager on loan officer performance and recommends appropriate remedial actions as required by VFT policies.

Responsibilities:

• Supervise and monitor the daily activities of individual loan officers.
• Lead the conduct of market research and survey activities within the outreach coverage area.
• Ensure that loan officers meet or exceed the performance targets as agreed upon in the business plan/projections.
• Assist loan officers in undertaking pre-screening, including checking against the eligibility criteria, credit history check, and credit reference bureau check.
• Conduct home, business, and collateral visits of clients for verification and monitoring purposes; discuss findings with the concerned loan officers and provide appropriate guidance.
• Conduct regular performance evaluations of loan officers and recommend any remedial actions to the Business Center/Branch Manager and/or Regional Manager.
• Ensure 100% on-time collection or enforce "zero tolerance against missed loan payments."
• Prepare performance reports on a daily, weekly, and monthly basis, analyzing reports vis-à-vis performance targets.
• Perform other tasks as may be prescribed by the Branch/Business Center Manager or Regional Manager.

Regulatory & Business Conduct:

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across VFT MFB. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines, and the Group Code of Conduct.
• Take personal responsibility to achieve the outcomes set out in the Bank’s Conduct Principles with respect to assigned names: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct, and compliance matters.

Qualifications/Experience:

1. A bachelor’s degree in Banking and Finance, Accounting, Microfinance, Economics, Business Administration, Finance, or any related field.
2. Banking or financial institution experience of not less than 3 years, 1 of which should be in a supervisory role.
3. Good understanding of credit management.
4. Excellent financial analysis skills, especially financial ratios to determine creditworthiness.

General Attributes:

• Fluent in English.
• Flexible to travel up-country and in rural areas.
• Knowledgeable in Microsoft PowerPoint, Excel, and Word.
• Proven leadership ability.
• Good knowledge of WV & VFI Partnership.
• Proficient in Microsoft Office applications.
• Excellent trainer, facilitator, mentor, and coach.
• Capacity and willingness to take responsibility and develop a sense of rectitude.

Special/Personal Abilities:

Achieving Capabilities:

• Achieving quality results.
• Practicing accountability and integrity.
• Communicating information effectively.

Thinking Capabilities:

• Thinking clearly and deeply.
• Understanding the Microfinance Industry.
• Understanding VisionFund's mission and operations.

Self-Managing Capabilities:

• Demonstrating Christian values in life.
• Learning for growth and development.
• Maintaining work/life balance and effectiveness.

Relational Capabilities:

• Building collaborative relationships.
• Practicing gender and cultural diversity.
• Influencing individuals and groups.