Senior Credit & Loan Officer (SSB Payroll Lending)

Role Overview & Context

Malilangwe Finance (Pvt) Ltd is expanding its salaried credit portfolio. As Senior Credit Officer, you will ensure swift, compliant 24–48 hour turnaround on civil service loan applications while upholding rigorous affordability thresholds and regulatory guidelines.

Key Responsibilities & Duties

• ✓ Review and verify payslips, National IDs, and 3 months bank statements from government employees (teachers, uniformed forces, health staff).
• ✓ Ensure strict compliance with statutory SSB net deduction affordability limits to prevent client over-indebtedness.
• ✓ Liaise with the Salary Service Bureau reconciliation team for payroll code verification and deduction confirmations.
• ✓ Conduct initial creditworthiness assessments and make recommendations to the Credit Committee.
• ✓ Maintain confidential, secure client credit files in accordance with Zimbabwean data protection laws.

Candidate Profile & Qualifications

• • Degree or Diploma in Banking, Finance, Economics, or Business Administration.
• • At least 3 years demonstrable experience in payroll lending, microfinance, or commercial banking in Zimbabwe.
• • Deep operational familiarity with SSB deduction systems and civil service payroll schedules.
• • Strong ethical mindset, high analytical acumen, and outstanding client communication skills.
• • Proficiency in loan management systems and Microsoft Excel.