Designation & Grade

 Designation & Grade

     9

• Compliance and management: Carries out the pre and post-loan activities related to Group loans. Presenting the loan applications to the Credit team, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.
• Promotion – Promotes new potential clients and eligible clients offering various other products
• Loan Appraisal – Informs potential clients about the requirements, conditions of the IGL Loan products, the procedures to obtain a loan, the importance of the payments on time etc. Makes sure that the client meets the credit requirements. o Visits the client’s business and home to do the assessment, following the credit policy procedures.  o Analyzes and presents a consistent loan proposal to the Credit team for its approval. o Informs the client about the Credit team decision
• Follow – up: Follows the loan disbursement process. o In case of arrears visits clients and guarantors for the loan recovery. o Informs the BRM or AM about the demand in his/her assigned area as well as on the competition. o Makes a close follow up of the disbursed loans, especially of the ones not paying on time. o Responsible for his/her portfolio administration, promoting its growth and keeping it with daily planning and organization of activities
• Client service: Provides a quick and timely service to the clients, making sure that the client’s expectations are fulfilled whenever is possible. o Ensures a good and respectful treatment to the clients and establishes a professional relationship with them, with a long term perspective. Guarantees confidential treatment to all the information gathered from the client and of the Institution

·         Ability & desire for hands on work in the field with customers.

·         Basic Knowledge of accounting and finance is desirable

·         Basic Computer knowledge

·         Marketing and sales skills

·         Good interpersonal skills

·         Ability to Communicate – Should Have good verbal fluency and using simple, clear and purposeful language