About Company
COOPEC-UVIRO is a leading cooperative credit union based in Uvira, dedicated to fostering economic growth and financial inclusion within the local communities of South Kivu Province, Democratic Republic of Congo. For years, we have empowered individuals, small businesses, and agricultural ventures by providing accessible financial services, including micro-loans, savings accounts, and financial literacy programs. Our mission is to alleviate poverty, create opportunities, and build sustainable livelihoods by connecting people to essential financial resources, thereby contributing to the socio-economic development of the region. We believe in community-driven solutions and operate with transparency, integrity, and a deep understanding of our members’ needs. We are committed to making a lasting positive impact on the economic well-being of the communities we serve.
Job Description
Are you a highly motivated and community-oriented individual with a passion for financial inclusion? COOPEC-UVIRO is seeking a dedicated and dynamic Loan Officer to join our team in Uvira, South Kivu Province. In this crucial role, you will be at the forefront of our mission, working directly with local entrepreneurs, farmers, and community members to assess their financial needs, provide suitable micro-loan products, and guide them through the application and repayment processes. The ideal candidate will possess excellent interpersonal skills, a strong understanding of microfinance principles, and a commitment to helping our members achieve their financial goals. You will be responsible for building lasting relationships within the community, ensuring high-quality loan portfolio management, and promoting financial literacy. This is an exceptional opportunity to make a tangible difference in the lives of many, contributing directly to the economic empowerment and development of Uvira and its surrounding areas. We are looking for someone who can not only meet targets but also genuinely cares about the well-being and success of our members, demonstrating empathy and resilience in their daily interactions. Join us in our journey to build a more financially inclusive and prosperous future for Uvira.
Key Responsibilities
- Conduct client outreach and mobilization within target communities to identify potential loan applicants.
- Perform thorough credit assessments, including business viability analysis, cash flow projections, and collateral evaluation for micro-loan applications.
- Prepare and present loan proposals to the credit committee for approval, ensuring compliance with COOPEC-UVIRO's lending policies and procedures.
- Disburse approved loans in a timely and efficient manner, explaining terms and conditions clearly to clients.
- Monitor and manage a portfolio of micro-loans, ensuring timely repayments and proactively addressing potential defaults through client engagement.
- Provide financial literacy training and basic business advisory services to clients to enhance their capacity for successful loan utilization and repayment.
- Maintain accurate and up-to-date client records and loan documentation in accordance with organizational standards and regulatory requirements.
- Build and maintain strong, trusting relationships with clients, community leaders, and local stakeholders.
- Achieve monthly and quarterly loan portfolio growth and quality targets.
- Identify and report any instances of fraud or non-compliance to management.
- Participate in regular team meetings and contribute to continuous improvement of lending processes.
Required Skills
- Proven experience (minimum 2 years) in microfinance, credit, or a related financial services role, preferably in a field setting.
- Strong analytical and numerical skills for financial assessment, portfolio management, and reporting.
- Excellent communication and interpersonal skills, with the ability to build rapport and trust with diverse clients from varying backgrounds.
- Proficiency in Microsoft Office Suite (Word, Excel, Outlook) for data entry and report generation.
- Ability to work independently in the field, manage time effectively, and prioritize tasks.
- High level of integrity, professionalism, and ethical conduct.
- Fluency in Swahili and French (verbal and written) is mandatory for effective client interaction.
- A valid motorcycle driving license (or willingness to obtain one) is essential for efficient field visits and outreach activities.
Preferred Qualifications
- Bachelor's degree in Finance, Economics, Business Administration, Rural Development, or a related field.
- Prior experience working with rural or marginalized communities in the Democratic Republic of Congo.
- Knowledge of local dialects spoken in Uvira and South Kivu Province (e.g., Lingala, Mashi).
- Experience with a core banking system or microfinance management software.
- Demonstrated ability to meet and exceed targets in a sales or client-facing role.
Perks & Benefits
- Competitive salary and performance-based incentives tied to portfolio growth and quality.
- Comprehensive health insurance coverage for employees and their dependents.
- Opportunities for continuous professional development, training, and career advancement within the organization.
- A chance to make a significant positive impact on community development and poverty alleviation.
- Supportive and collaborative work environment focused on team success and mutual respect.
- Transportation allowance or provision for field activities.
- Annual leave and public holidays as per DRC labor laws.
How to Apply
Interested and qualified candidates are invited to submit their comprehensive CV and a cover letter detailing their relevant experience and motivation for this role. Please ensure your application highlights your experience in microfinance or a related financial services field, your ability to work effectively with local communities, and your proficiency in the required languages. We encourage all eligible applicants to apply promptly by clicking on the application link below.