Phuthalichaba Savings and Credit Cooperative Society, a fast-growing financial cooperative in the Lesotho, is seeking to recruit qualified and competent staff to fill the following vacant position;
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• Reporting to the General Manager, the Credit Manager will be responsible for the PSCCS loan portfolio while maintaining the quality and health of the loan book.
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• Putting in place and implementing effective credit management, monitoring, collection, and recovery strategies.
• Preparing, analysing, and submitting regular reports on loan applications, disbursements, repayments, overdue accounts, recovery plans, and risk exposures.
• Identifying, assessing, and evaluating risk areas in recovery and making appropriate recommendations.
• Maintain a departmental organizational structure sufficient to meet all goals and objectives.
• Manage the daily operations of the credit department efficiently and effectively.
• Achieve established departmental goals within defined timelines, as well as define and implement measurement of acceptable staff performance to safeguard the PSCCS ‘s loan portfolio.
• Undertake periodic review of securities held against all non-performing facilities in order to ensure these are perfected and that no dilution happens during the debt recovery period.
• Conduct various assessments and audits to ensure departmental procedures are achieving accurate and desired results.
• Implement data clean-up procedures and corresponding changes when necessary and as appropriate to ensure the correct and up-to-date maintenance of credit data at the individual and corporate levels.
• Ensure timely disbursement of approved loans in liaison with the finance department
• Ensure the recovery of outstanding amounts.
• Approve loans within the limit and facilitate further approval by the Manager/Credit Committee for loans above the limit
• Liaise with the marketing departments, develop and review the loan products periodically
• Reviewing capacity needs, supervising and initiating training needs for the Credit Officer (s) in the credit department.
• Setting and evaluating the performance of Credit Officer (s) across PSCCS.
• Performing other duties as may be assigned from time to time.
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• Bachelor’s degree in Finance, Accounting, Banking, Credit Management, or any other Business related qualification.
• Having knowledge of the Financial Cooperatives sector is an advantage.
• Minimum of 3 years relevant experience in credit administration or loan management gained from working at the management level in a financial institution.
• Strong analytical skills, excellent communication, negotiation skills, and interpersonal skills, focused, self-driven, and attentive to detail.
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Interested candidates are invited to submit their resume, cover letter, and Certified Educational Certificates to [email protected].
The subject line should read as follows:
“???????????????????????? ???????????????????????????? ???????????????????????????????????????????? – ????????????????????.”
The deadline for Applications is ???????????? ???????????????????????????????? ???????????????? ???????? ????????:????????.
Phuthalichaba Savings and Credit Cooperative Society Ltd is an equal-opportunity employer. We do not discriminate based on race, colour, religion, gender, age, disability, or any other protected status.
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•For inquiries (strictly) call our office on (+266) 2232 4328/ 5603 7658/ 62605770 during working hours only.
•Application inquiries via Facebook, WhatsApp, or any social media platforms will not be accepted.
•Physical submissions will not be accepted.
Join us in our mission to provide financial empowerment to our community.
