Loan Officer

About the role

The Loan Officer is responsible for following up on and delivering the project's financial services and for supporting the credit team in assessing projects and analysing the financial structures of loans. Acting as the link between beneficiaries and the organisation, the officer also helps implement and follow up on the recommendations of the structuring study during the project's implementation period. The post is based at the Hawi Al Hawa Center, reports to the Loan Coordinator and has no direct reports.

Key responsibilities

• Review and verify all loan applications so they are complete and accurate.
• Prepare and share lists of applicants and planned visits with field partners in line with the work plan.
• Develop detailed visit work plans with field assistants, the center manager and the Loan Coordinator.
• Carry out social verification checks with field assistants to confirm applicants' information.
• Take part in site monitoring visits while credit reports are being completed.
• Monitor borrowers in arrears and give regular updates to the supervisor.
• Guide field assistants on visit protocols and data collection for registering beneficiaries.
• Maintain regular contact with borrowers and beneficiaries to give updates, guidance and support.
• Ensure compliance with credit policies, SOPs and donor and legal requirements.
• Assess financial eligibility and loan feasibility with the Loan Coordinator, oversee follow-up visits and loan restructuring, and explain lending and repayment policies at disbursement.

Required profile

• Bachelor's degree in Finance, Economics, Business Administration or a related field.
• At least 3 years of experience in loan processing, credit management, financial product development or loan review.
• Experience in agricultural loans and the agricultural sector is highly preferred.
• Ability to work under pressure and to travel frequently to field sites.

Required skills

• In-depth knowledge of direct and indirect lending, credit assessment and loan documentation.
• Knowledge of financial compliance rules and risk management standards.
• Familiarity with loan management systems and Microsoft Office; proficiency in relevant financial software.
• Strong analytical, problem-solving and organisational skills, and excellent communication skills.