Loans Officer – Microfinance

About the role

Monaire Financial Services is seeking a motivated and compassionate Loans Officer to join its microfinance team. You will act as the primary point of contact for clients, guiding them through the loan process and helping them achieve their financial goals while safeguarding the institution’s portfolio.

Key responsibilities

• Explain loan products, assess client needs, and collect required documentation.
• Conduct client interviews, field visits, and due‑diligence to evaluate creditworthiness.
• Analyze financial statements, cash flows, and business viability to prepare loan proposals for the credit committee.
• Disburse approved loans and ensure clients understand terms and repayment schedules.
• Monitor loan portfolios, conduct follow‑ups, and support timely repayments.
• Provide financial guidance and promote financial literacy among clients.
• Maintain accurate records and comply with company policies and regulatory requirements.

Required profile

• Bachelor’s degree in Finance, Business Administration, or a related field.
• Minimum 2 years of experience in microfinance, retail banking, credit analysis, sales, or community lending in Jamaica.
• Strong understanding of credit principles and risk assessment for small businesses and individuals.
• Excellent interpersonal, communication, and negotiation skills with a customer‑centric approach.
• Ability to work independently in the field, organized, and capable of managing multiple tasks.
• Valid Jamaican driver’s licence.

Required skills

• Microsoft Office Suite
• Loan management software