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Loan Officers at VisionFund Malawi

  • Full Time
  • Malawi
  • Salary: 00

VisionFund Malawi

VisionFund MALAWI


VisionFund Malawi is a Christian owner-operated mission-driven deposit taking microfinance network working with caregivers in hard to reach, impoverished locations so they can create secure futures for their children. Inspired by Christian values, we are dedicated to working with the most vulnerable families and communities regardless of religion, race, ethnicity gender, to create lasting change in their lives.

VisionFund Malawi is inviting applications from suitably qualified candidates to fill the following vacant positions:


Location: Various Branches across the country

Job Purpose:

Build and maintain a healthy portfolio of micro and small enterprise clients. Identify, process, and monitor new and existing clients. Ensure accurate loan appraisals, evaluations, and the efficient follow-up of arrears/delinquent clients and the provision of strong client service. Maintain up-to- date client records and reports.

Duties and Responsibilities

Promotion of products and services and origination of new clients

  • Build and maintain a portfolio of quality clients rapidly and consistently to reach target portfolio within assigned period.
  • Liaise with community organizations, business associations, and individual entrepreneurs;
  • Implement promotion campaigns and promotional sessions/meetings for sourcing clients;
  • Identify potential clients as defined in the VFM client segmentation table;
  • Sensitize potential clients on all aspects of account opening and the loan processes, products and policies and procedures on how to become a VFM client.
  • Sensitize potential clients on the terms and conditions, the incentives for good performance, and penalties for late repayment and default.

Conduct loan evaluations according to policies and procedures

  • Develop an accurate evaluation of each client’s capacity and willingness to repay the requested loan.
  • Correctly complete loan application and evaluation forms;
  • Arrange and undertake business site visits;
  • Verify and cross-check all information relevant to the loan application and evaluation;
  • Evaluate the willingness and capacity to repay of the client;
  • Ensure an appropriate guarantee or collateral is in place and documented;
  • Determine and present loan terms and conditions to credit committee (CC).

Credit committee member

  • Participate in credit committees providing input on other members’ loan proposals;
  • Prepare and present own loan proposals to credit committee.

Provide high-quality customer service

  • Develop relationship with each client to support the business success and cultivate loyalty.
  • Monitor client business progress to identify any potential problems;
  • Offer suggestions and referrals where appropriate and within company policy;
  • Demonstrate a concern and build client rapport.

Manage and recover Late Loan repayments

  • Implement late repayment recovery procedures of VisionFund Malawi.
  • Achieve and maintain targets on portfolio at risk and loan loss.
  • Emphasize the importance of on-time repayment with clients.
  • Monitor repayment reports daily and client behavior patterns.

Build community rapport

  • Become knowledgeable and known in the assigned geographic zone.
  • Build rapport with community, business associations and leaders in his/her geographical zone.
  • Be known and visible in the community.
  • Develop goodwill of community towards Vision Fund Malawi.

Support the VFM Team

  • Provide support to peers and others within VFM in uplifting its values and policies.

Portfolio administration

  • Efficiently and accurately complete all forms and administrative steps required to manage the Loan portfolio and contribute to the smooth operation of VFM.

Qualification, Knowledge, Skills and Abilities:

  • A minimum of Diploma/Higher Diploma or BSc in Business, Banking, Finance, Accounting, Economics, and/or related fields with numerate coursework
  • Excellent computer literacy and experience with Microsoft Office applications, especially Excel
  • Experience in the Banking profession in sales or Marketing is a plus
  • Those with Motorcycle riding license will have an added advantage
  • Strong written and oral communication skills
  • Strong interpersonal skills
  • Good time management and planning skills
  • Able to work as part of a team
  • Service orientation and strong Customer focus Honesty and Integrity

Method Of Application

Interested candidates should drop their applications together with their detailed Curriculum Vitae, three traceable referees and copies of certificates to:

People & Culture Manager
VisionFund Malawi
Private Bag A232

Applications should be delivered to the nearest VisionFund Malawi Branch or sent through email

NOTE: The deadline for receiving applications is Wednesday 3rd April, 2024.


VisionFund Malawi does not use agents, nor solicit any form of payments for any application,
training, interviewing, testing or any fees in connection with this recruitment. Report any acts of
solicitation for payment and/or extortion to VisionFund Malawi on the following; Tip offs Toll Lines:
088462 1623

Female applicants are encouraged to apply.

To apply for this job email your details to