LOAN COLLECTIONS OFFICERS
Organizational Background:
Habitat for Humanity Zambia is a not for profit Christian organization which is a part of Habitat for Humanity International. It was founded in 1984 with its existence in five provinces in Zambia. Its mission is to work with individuals, groups, churches and organizations to provide simple but decent housing for the vulnerable in our communities and eliminate poverty housing. Habitat believes in creating a world where everyone has a decent place to live.
Job Title: Loan Collections Officers (4)
Department: Finance
Job Location: Lusaka (1), Ndola (3)
Reports to: Assistant Accountant (Ndola), Accountant (Lusaka)
Works closely with: National Accountant, Senior Finance Officer
Contract duration: 1 year (Fixed term)
Remuneration payment : Monthly (Commission based)
Responsible for: Mortgage reconciliations and collections
Performance review: Every 3 months
JOB PURPOSE:
Responsible for reaching out to beneficiaries to collect payment for overdue bills, loans, or other payments. Acts as the liaison between HFHZ and beneficiaries and manages overdue accounts.
PRINCIPAL ACCOUNTABILITIES:
Key areas of responsibility
- Physically visit the beneficiary premises in the communities to assess the current status of the beneficiary and their ability to effectively pay back the loan
- Collect payments on past due bills.
- Create a list of beneficiaries who have not made payments.
- Locate customers using Bio data information, background checks, loan documents, and other paperwork available
- Utilize computer systems to handle skip tracing
- Inform clients of overdue accounts and amount currently owed
- Attempt to collect payment during visits by encouraging beneficiaries to deposit into the prescribed HFHZ bank account
- Review terms of sale or loan documents available and update the records
- Ensure all beneficiary information is correct, including phone numbers and addresses.
- Listen to customer’s story and determine if the loan can be collected.
- Visit the beneficiaries frequently to verify that improvement occurred and refresh the beneficiaries on their obligations towards the loan with the agreed timeframe
- Offer advice or refer customers to debt counsellors
- Record new commitment to repay loan
- Gathering and provide the National Office with proper justifications and validating that the loans are indeed bad debts that will not be recovered within the renegotiated time frame
- Initiate repossession proceedings in accordance with the contract terms
- Follow the Zambian Laws when dealing with debt collection.
- Print reports for management
Education and Experience required:
- Diploma in accounting, Marketing or its equivalent from a recognized institution
- 2 years’ experience in a client direct contact, service, collections or sales environment
Skill (Special Training or Competence):
- Result oriented, self-starter and Innovative
- Interpersonal skills
- Planning and Organising
- Good communication skills ( Both oral and written)
- Reading comprehension and writing skills
- Active listening and emotional intelligence
- High degree of integrity and maturity
- Time and personal management
- Well organized with attention to detail
- Creative, problem-solver, resourceful, solution-oriented
- Demonstrated ability to work with self-confidence under tight timeframes
- Flexible, patient and compassionate
Key Behaviours:
- Sense of humour and positive attitude
- Interpersonal and intercultural sensitivity
- God fearing
- Skilled at working in teams and independently
- Committed and responsible
- Willing to work out of contractual hours during times of need.
KEY RELATIONSHIPS (excluding own line manager and staff)
Internal
- Programs Manager
- Senior Finance Officer
- National Accountant
External
- Beneficiaries
Travel rate:
The job holder will be required to travel in-country up to 15% of the time.
Selection Process:
Applicants will initially be evaluated based on documentation submitted with applications. Competitively ranked applicants may be tested and interviewed. Applicants must submit all requested documentations for them to be considered.
Application Mode:
Send an application letter, updated CV, copies of relevant professional certificates, NRC and names of three references addressing your application to the National Director. Email your applications to hfhzjobs@gmail.com or Habitat_HR@habitatzam.org.zm
Closing Date:
The closing date for applications is Friday, 10th June, 2016. Only shortlisted candidates will be contacted.
“HABITAT FOR HUMANITY ZAMBIA IS AN EQUAL OPPORTUNITY EMPLOYER”.
“HABITAT FOR HUMANITY ZAMBIA IS AN EQUAL OPPORTUNITY EMPLOYER”.
