Employment is a dream for many, but often, the Failure to be called for an Interview can be a significant barrier. Ubuntu Impact Tanzania is stepping up to aspire Sales Executive – SME Loans who wish to pursue their dreams jobs at Ubuntu Impact. Here pickallnews.com, With substantial opportunity available for all qualified applicants, the Ubuntu Impact Tanzania is inviting applications to fill mentioned career below;
The Sales Executive – SME plays a crucial role in enabling the community’s small enterprises and individuals to get financial services. In your role as a sales executive, you will be in charge of reviewing loan applications, performing financial evaluations, and helping customers get acceptable microloans. Additionally, you will have to cross-sell other products that are available, such as insurance products.
Responsibilities:
1. Revenue Growth
- Contribute to the company’s revenue growth
- Develop a lucrative loan portfolio
- Promote the company’s goods and services and find successful clients, particularly SMEs.
- Continue to have a quality loan portfolio.
- Keeping an eye on portfolio delinquency effectively
- Cross-promote other goods and services offered by the business (insurance products)
2. Loan Application and Evaluation:
- Get loan applications from prospective borrowers and review them.
- Determine the creditworthiness and repayment capabilities of applicants by conducting comprehensive financial assessments.
- Examine and confirm that the applicants’ financial records are accurate.
3. Client Relationship Management & Business Development
- Build and preserve a good rapport with customers by responding to their questions and concerns.
- Give customers individualized financial counseling and advice to assist them in making wise borrowing choices.
- Follow up with borrowers on a regular basis to make sure they pay on time and to provide support if required.
- Locate prospective customers and build connections to increase the clientele.
4. Loan Disbursement and Documentation:
- Create loan disbursement agreements and assist with the process of payout.
- Make sure that all loan agreements, terms, and conditions are properly and completely documented.
5. Risk Management and Compliance:
- Respect lending guidelines and microfinance legislation to guarantee compliance.
- Evaluate and reduce any risks connected to loan applications and borrowers.
6. Financial Analysis and Reporting:
- Provide reports on the performance of the loan portfolio, delinquency rates, and repayment patterns on a regular basis.
- To find chances for portfolio growth and risk management, analyze data.
7. Training and Education:
- Inform customers on appropriate borrowing practices and financial literacy.
- Conduct workshops and training sessions to improve your clients’ financial literacy.
8. Team Collaboration:
- Collaborate and communicate effectively with other departments.
- Observe teamwork culture.
Qualifications:
- A bachelor’s degree in business management, accounting, economics, or a similar discipline.
- It is preferred to have at least four years of experience in lending, banking, microfinance, or a similar industry.
- A track record of working with SME clients
- solid grasp of risk management concepts, credit evaluation, and financial analysis.
- Outstanding interpersonal and communication abilities to establish trust with team members and clients.
- Familiarity with pertinent microfinance laws and requirements for compliance.
- The capacity to solve problems and make wise loan selections.
- Superior moral character, ethical conduct, and dedication to client pleasure.
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