Trainee Junior Customer Service Officer

Position: Trainee Junior Customer Service Officer

Place of Work: Branch Offices, Addis Ababa  

About the Organization:

Kebronhill Microfinance Institution S.C. (KHMFI) pioneers accessible financial services, merging vision with action. Licensed by the National Bank of Ethiopia (MFI/071/2024) under Proclamation No. 626/2009, we champion community upliftment by blending profitability with social impact. Committed to regulatory integrity, we welcome Ethiopians, foreign nationals of Ethiopian origin, and organizations to join our journey. With a focus on innovation and inclusivity, KHMFI leads microfinance excellence, empowering individuals for a brighter future. Join our transformative vision and help shape a better tomorrow with us.

Major Duties and Responsibilities:

• Support in the design and execution of market research and client survey activities.
• Proactively identify and solicit new loan accounts in alignment with periodic performance targets outlined in the branch business plan.
• Lead and participate in marketing campaigns aimed at attracting new clients and expanding the branch’s outreach.
• Provide clear and informative orientations to prospective clients regarding KebronHill MFI’s financial products and services.
• Support the Branch Manager in the development of annual business plans and budgets; facilitate focus group discussions (FGDs) with clients to gather feedback and insights.
• Receive and review loan applications; perform thorough credit appraisals of applicants and their guarantors, where applicable.
• Conduct on-site inspections and appraisals of collateral offered to secure loans, ensuring proper valuation and documentation.
• Prepare and present credit applications to the branch credit committee, and coordinate logistics for credit committee meetings.
• Schedule and facilitate loan disbursements; ensure accurate and timely loan repayment collections.
• Hand over all daily collected cash to the teller/cashier in accordance with financial procedures.
• Assess the repayment history and overall performance of existing clients to make informed recommendations for repeat loans.
• Actively participate as a member of the branch loan committee, contributing to loan decision-making processes.
• Submit timely and accurate periodic reports and statistical data to the Branch Manager, supporting performance monitoring and strategic planning.
• Maintain and manage a client portfolio in accordance with the minimum standards and targets established for the role.
• Monitor loan repayments closely to ensure timely payments and enforce a zero-tolerance policy toward delinquency.
• Conduct effective and professional negotiations with clients in arrears to resolve repayment issues and prevent default.
• Perform timely follow-ups on overdue accounts, analyze the causes of delinquency, and ensure all actions taken are properly documented.
• Provide support to fellow loan officers in managing and resolving delinquency cases, especially during high-risk periods.
• Conduct regular field visits to clients at their business sites before, during, and after loan disbursement to assess performance, provide support, and strengthen client relationships.
• Performs other duties assigned by the immediate supervisor

Terms of Employment: Permanent  

Salary: As per the Institution salary scale

Qualification and Technical Skill Required

• Bachelor’s Degree or Diploma in Management, Business Administration, Economics, Accounting, Finance, Marketing, or a related field.
• Strong communication and interpersonal skills.
• Excellent customer service orientation.
• Analytical skills for financial data interpretation.
• Good knowledge in economic and financial topics
• Attention to detail and problem-solving abilities.
• Teamwork and adaptability in a dynamic environment

Experience:

• 0 year of experience.