Organisation: SME Clinic (On behalf of a Licensed Microfinance Institution)

Position: Loan Officers

Location: Lilongwe, Malawi

Employment Type: Full-Time

Application Deadline: 31st July 2026

OVERVIEW

SME Clinic, on behalf of its client, a leading licensed microfinance institution, is recruiting experienced Loan Officers to support its agricultural and agri-business lending portfolio.

The successful candidates will be responsible for originating, analysing, and managing group-based agricultural loans to smallholder farmers, agro-dealers, and Village Savings and Loan Associations (VSLAs). The role also involves providing client training, monitoring loan performance, and ensuring ethical and efficient lending throughout the credit life cycle.

KEY RESPONSIBILITIES

• Screen and assess agriculture loan applicants and process loan applications.
• Conduct field visits with Extension Planning Areas (EPAs) and agronomists to assess farming operations and loan eligibility.
• Train clients and solidarity groups in financial management, business management, and credit management.
• Structure appropriate loan products and prepare loan documentation for approval.
• Monitor loan repayments and manage loan portfolios.
• Follow up on overdue accounts and support loan recovery processes.
• Build relationships with farmers, agro-businesses, community leaders, and government extension services.
• Promote agricultural loan products and financial literacy within communities.
• Ensure compliance with lending policies and prepare regular performance reports.

QUALIFICATIONS AND EXPERIENCE

Applicants should possess:

• Bachelor's Degree in Agriculture, Agribusiness Management, Agricultural Economics, Agricultural Extension, Agronomy, or a related field.
• A Diploma in Microfinance, Business Administration, or a related discipline with strong agricultural experience will also be considered.
• At least three (3) years' experience in microfinance or banking with significant exposure to group lending.
• Proven experience in agricultural lending and working with rural smallholder farmers.

KEY SKILLS

• Strong knowledge of credit analysis, agricultural production, and risk management.
• Ability to prepare and analyse cash flows, repayment plans, and financial statements.
• Experience with group lending methodologies.
• Excellent communication and interpersonal skills.
• Ability to work extensively in rural areas.
• Strong integrity, customer service, and decision-making skills.
• Ability to ride a motorcycle with a valid rider's permit.

DESIRABLE ATTRIBUTES

• Experience working with women-led groups, youth organisations, or VSLAs.
• Familiarity with mobile money platforms and digital lending systems.
• Practical knowledge of crop or livestock production.

HOW TO APPLY

Interested candidates should submit their applications to:

Email: loanofficer@smeclinic.mw

Subject Line: Loan Officer

Application Deadline: 31st July 2026.