Consultant
Harrismith, Free State, South Africa
Job Description
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Purpose of the role To assist clients to apply for credit, ensuring that the application is not reckless and in turn collect instalments through correct debit order loading processes and maintenance of his or her individual ledgers/Books.
- Accountable for achieving individual budgets on sales and collections as set out and agreed to by the Branch Manager
- Accountable for your individual application and contract scanning in accordance with the company policies and procedures
- Responsible for creating loan applications on the Loans Management System (LMS) per company policies and procedures and ensuring that application is not reckless as this could lead to disciplinary procedure to be followed against you and is a criminal offence
- Obtain required documentation from client
- Apply scorecard
- Complete affordability study
- Maximise or upsell the loan to affordability
- Obtain authority and Nu Card from Branch Manager
- Allocate and issue
- Ensure that all necessary documents are signed and explained to parties concerned
- Ensure that loan pack is complete, scanned and filed
- Ensure that client is supplied with copy of loan pack
- Process collections per company policy and SOP:
- Follow-up on all overdue accounts by using the overdue lists and bucket/falcon system
- Update the Bucket/Falcon system while speak to the customer
- Contact all revived clients as per instruction by using the follow-up business report and bucket/falcon system
- Diarise xe2x80x98positivesxe2x80x99 for future action on the bucket/falcon system and F10 comments
- Follow-up on xe2x80x98positivesxe2x80x99 as per bucket/falcon system on F10 comments
- Contact all existing clients as per instruction by using loans ending within a month report and bucket/falcon system
- Diarise xe2x80x98positivesxe2x80x99 for future action, action on the bucket/falcon system and F10 comments
- Follow-up on xe2x80x98positivesxe2x80x99 as per bucket/falcon system and F10 comments
- Assist with or complete Daily Control Report
- Assist Branch Manager in Final Demand and Reminder process
- Ensuring that the Processing of loans are per company policy
- Obtain required documentation from client
- Apply scorecard
- Check and/or Complete affordability study
- Maximise or upsell the loan per affordability
- Obtain daily password from management
- Allocate and issue card as per company SOP
- Ensure that all necessary documents are signed by parties concerned
- Ensure that loan pack is complete and filed as per company SOP
- Ensure that client is supplied with copy of loan pack
- Ensure that delayed payments are cleared daily and cancelled if not finalised after 7 days as per Head Office instructions
- Pending applications must be finalised within 7 days if not cancelled and so, for the Nu Pay loading
- Ensure documents are scanned and upload daily as per the SOP
- All filing must be up to date
- Scanning of documentation must be done daily
- To attend morning meeting, conducted by Branch manager daily
- Grade 12
- Certificate/Diploma in Micro Lending Frontline Service (NQF 3)
- Certificate/Diploma in Micro Lending Frontline Service (NQF 4)
- Micro Finance Industry - 2 years
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Job Detail
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Job IdJD1299298
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IndustryNot mentioned
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Total Positions1
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Job Type:Full Time
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Salary:Not mentioned
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Employment StatusPermanent
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Job LocationHarrismith, Free State, South Africa
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EducationNot mentioned