MOTTO: OURS TO PLOUGH NOT TO PLUNDER

OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.

EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

JOB DESCRIPTION FOR LOAN OFFICER

The following are the approved job descriptions for LOAN OFFICER FOR PAJJ
MICROFINANCE (SL) LIMITED:

1. Formation of the group and sub-groups and assure that the group and sub-groups
are credit worthy.
2. Conduct background checks on group and sub-groups members and ascertain that
members in the groups are credit worthy
3. A must to use background check tools and report to your Head of Operations for
analyze of the information captured in the tool.
4. Make sales of Group Loan passbook, individual Loan passbook, Permanent Factory
Worker passbook, and special Agreement Loan Passbook
5. Report to the Head of Operations for the approval or disapproval of groups and sub-
groups
6. All sale of passbook should be deposited to the Senior Admin/ Finance and also
input the sales amount to the Loan Officer Passbook sales register.
7. Conduct group loan meeting once per week and should write all the name of the
members present in the meeting and sign on the book to ascertain the record for
serious and effective members in the group.
8. Remove any member that fail the background checks and report the issues to your
Head of Operations and justify the reason(s) of removal.
9. Always carry the Daily Collection Register in the field and must record all cash
transaction such as: Cash Security and loan Repayment into the this register and
ensure that he/she also record the Cash Security and loan Repayment into the
passbook of the client and this will show transparency, accountability, and
reconciliation of work by the Head of Operations, Senior Admin/ Finance Officer
and Managing Director.
10. Report all field challenges to your Head of Operations.
11. Correctly enter all the information of the approved Loan Application Form into the
Loan Disbursement master Roll and sign it before Loan Disbursement.
12. Correctly and completely fill the Loan Application Form and submit all Loan
Application Forms one week exact before disbursement so that Head of Operations
will have sufficient time to do second background checks and submit it to Managing
Director for Loan Approval
13. Must able to formed five credit worthy group per day and twenty five groups per
week ( ranging from Monday- Friday)
CONTACT: 079201051/030762474 EMAIL:
pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

14. Ensure that client brings their guarantor in the office to sign for them and client and
guarantor must take their photos in PAJJ MICROFINANCE (SL) LIMITED.
15. Always and clearly explain the different types of PAJJ MICROFINANCE (SL) LIMITED
Loan Products to potential Clients and existing clients.
16. Explain to potential and existing clients the process of obtaining Loan in PAJJ
MICROFINANCE( (SL) LIMITED
17. Fill all payment form signed by the Head of Operations and Senior Admin/ Finance
for reference.
18. Do weekly report on the following;
(a) Cash Security Amount
(b) Loan Repayment Amount
(c) Number of group formed
(d) Number of group disbursed to
(e) Number of not yet disbursed to
19. PAJJ MICROFINANCE (SL) LIMITED Loan Repayment should be pay every week and
Loan Officer should ensure that company money do not sleep with clients.
20. Should have records of all existing and potential clients including their phone
numbers permanent Address number.

APPROVED BY:

………………………………………..
PHILIP KANU
MANAGING DIRECTOR

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

JOB DESCRIPTION FOR HEAD OF OPERATIONS

The following are the duties and responsibilities of Head of Operations:

1. Supervise and manage every activities of Loan Officers, Osusu Loan Offices and Office
Assistant.
2. Conduct one hour’s session every morning for Loan Officers, Osusu Loan Officers and
Office Assistant about their daily challenges in the field and office. This session is
called Field Daily Challenges (FDC).
3. Responsible to do second background check in every member in a group and take
appropriate decision according to company policies.
4. Responsible to approve groups of every Loan Officer after conducting quality
background check on each member in the group.
5. Issue out passbook to each Loan Officer and ensure that they sign for the passbook
and also recorded in the Passbook Software System.
6. Issue out Loan Application Form to each Loan Officer and ensure that they sign for
the Loan Application Form and recorded in the Loan Application Form Software.
7. Ensure that Loan Application Form are accurately and correctly fill by Loan officer.
8. Ensure that all fill Loan Application form are attached clients passport pictures,
clients guarantors passport picture, clients photo copy ID. Cards, client guarantor
photocopy ID. Cards
9. Ensure that all group members signed and thumb print the Loan Application Form
and also the Loan Officer signed each Loan Application form.
10. Ensure that Loan Officers have 100% Loan Repayment collection from the field and
PAJJ MICROFINANCE (SL) LIMITED money is not going to sleep and must be collected.
11. Established a data base as per company guidelines for every clients and groups for
each Loan Officer, Osusu Loan Officer and Office Assistant.
12. Must signed the Loan Repayment Receipt before Loan Officer makes payment to the
Senior Admin Officer
13. Ensure to do and submit weekly reports on the following:
(a) Loan Repayment weekly report
(b) Cash security weekly report
(c) Total number of group approval
(d) Total number of group disbursed
(e) Total number of groups formed by each loan officer
14. Approved all cash transaction in the Loan Repayment form before Loan Officer
makes payment to the senior Admin / Finance Officer.
15. Refer all individual loan, salary Loan, permanent Factory Worker Loan and special
agreement Loan to the Managing Director for professional advice and guide before
executing such loan product.

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

16. Always coordinate with the senior Admin/ finance Officer for background check, loan
repayment, cash security , photos payment and all other cash transaction
17. Prepare a comprehensive monthly report.
Approved By:

…………………………………………

Philip Kanu

Managing Director

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

JOB DESCRIPTION FOR MANAGING DIRECTOR

The following are the duties and responsibilities of the Managing Director:

1. Managing the Loan Portfolio of PAJJ MICROFINANCE (SL) LIMITED

2. Do weekly report, monthly report, Quantify and annual report to the Chief Executive
Officer.
3. Custodian of the company policies and the driver to the company Vision and Mission
4. Approval of the monthly pay roll of all staffs of PAJJ MICROFINANCE (SL) LIMITED.
5. Prepare annual financial statement for the Chief Executive Officer
6. Assist the Head of Audit in carry internal audit process
7. Conduct Monthly queasily and annual tally for all staffs
8. Approval of Loan Application Form before disbursement.
9. Conduct third background check on all group members, individual clients,
permanent factory worker, special Agreement Loan and Osusu Loan.
10. Have 30% of CMS, 10% CMS for officer, 15% for Chief Executive Officer, 10% for
Senior Admin/ Finance Officer and 35% for Head of Operations, Loan Officer, Office
Assistant and Osusu Loan Officers.
11. Managing all the staffs of PAJJ MICROFINANCE (SL) LIMITED and ensure that they
adhere and implement company policies to the fullest.
12. Instruct the Senior Admin/ Finance Officer to issues out Memos, officer Notice and
holiday notice.
13. Managing external stakeholders and financial intermediaries that have dealing with
PAJJ MICROFINANCE (SL) LIMITED
14. Consult with the Chief Executive Officer on difficult administrative decisions.
15. Any other assignment or duties will be communicated to you by the Chief Executive
Officer
Approved BY:

…………………………………………

Chief Executive Officer

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

JOB DESCRIPTION OF ADMIN/ FINANCE OFFICER

The following are the duties and responsibilities of the Admin / Finance Officer:

1. Manage all cash transaction of the company such as Loan Repayment, Cash Security,
Cash Management Security, and Sales from passbook, Death fees and clients account
opening one the behalf of the senior Admin/finance
2. Report directly to the Senior Admin/finance on all issues related to Administration
and Finance
3. Prepare and submit weekly report to the Senior Amin/Finance on the following
(a) Payment received on behalf of the Senior Admin/ Finance
(b) Petty cash book
(c) Update of all staff file
(d) Prepare staff appraisal and submit to the Senior Admin/finance for approval
4. All expenditure should be properly accounted for by filling the expenditure form and
forwarded it to the Senior Admin/Finance for approval before disbursement of such
sum especially for daily purpose
5. Coordinate with senior loan officer to aid the process of staff welfare
6. Check for all Loan Application forms and verified them if they have complete and
went through PAJJ MICROFINANCE (SL) LIMITED due diligence
7. Assist the Senior Admin/Finance during Loan Disbursement in front of Loan Officer
8. Ensure that the loan officer properly fill and sign the Loan Disbursement Master Roll
before making disbursement to the clients
9. Prepare and submit a comprehensive monthly report to the Senior Admin/finance
10. Any other assignment or responsibilities will be communicated to you
Approved By:

…………………………………………………………….

Managing Director

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

OFFICE ASSISTANT JOB DESCRIPTION

The following are the duties and responsibilities of an office Assistant:

1. Ensure that the office is tidy always

2. Report to the Head Of Operations
3. Ensure that clients and guarantors photos are printed on time and issue out to the
Loan Officer.
4. Ensure that you snap the clients and guarantors in front of the Loan Officer.
5. Ensure that the Loan Officer and the Head of Operations signed the photos Form
before snapping the clients and guarantors.
6. Ensure that clients have paid the sum of Le 25,000 for his /her Guarantors to the
senior Admin/ Finance Officer before taking any snap short.
7. Should observe all protocols for visitors and clients before entering or giving seat
to the clients or visitors.
8. Everybody that comes inside the office must sign the visitor book and purpose of
coming to the office.
9. Enter the name of all clients and guarantors into the clients and guarantors
Register.
10. Ensure that his produce quality photos properly for the clients and guarantors.
11. Must adhere to instructions from the company authorities.
12. Should channel all grievances to the Senior Admin/ Finance Officer.
13. Any other assignment or responsibilities from the company authorities.

Approved By:

…………………………………………

Philip Kanu

Managing Director

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

JOB DESCRIPTION FOR LOAN OFFICER

The following are the approved job descriptions for LOAN OFFICER FOR PAJJ MICROFINAN
(SL) LIMITED:

1. Formation of the group and sub-groups and assure that the group and sub-groups
credit worthy.
2. Conduct background checks on group and sub-groups members and ascertain t
members in the groups are credit worthy
3. A must to use background check tools and report to your Head of Operations
analyze of the information captured in the tool.
4. Make sales of Group Loan passbook, individual Loan passbook, Permanent Fact
Worker passbook, and special Agreement Loan Passbook
5. Report to the Head of Operations for the approval or disapproval of groups and s
groups
6. All sale of passbook should be deposited to the Senior Admin/ Finance and also in
the sales amount to the Loan Officer Passbook sales register.
7. Conduct group loan meeting once per week and should write all the name of
members present in the meeting and sign on the book to ascertain the record
serious and effective members in the group.
8. Remove any member that fail the background checks and report the issues to your
of Operations and justify the reason(s) of removal.
9. Always carry the Daily Collection Register in the field and must record all c
transaction such as: Cash Security and loan Repayment into the this register and ens
that he/she also record the Cash Security and loan Repayment into the passbook of
client and this will show transparency, accountability, and reconciliation of work by
Head of Operations, Senior Admin/ Finance Officer and Managing Director
10. Report all field challenges to your Head of Operations.
11. Correctly enter all the information of the approved Loan Application Form
Disbursement master Roll and sign it before Loan Disbursement.
12. Correctly and completely fill the Loan Application Form and submit all Loan Applicati
Forms one week exact before disbursement so that Head of Operations
sufficient time to do second background checks and submit it to Managing Director
Loan Approval

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

JOB DESCRIPTION FOR OSUSU LOAN OFFICER

The following are the duties and responsibilities of an Osusu Officer:

1. Explain clearly the Osusu scheme to both existing and potential clients.
2. The minimum contribution to be collected per client is Le 10,000 per day.
3. You must work from Monday- Saturday and should ensure to make payment in the
office.
4. You should go with the Osusu Daily Collection Register to the field every day and
must ensure that you recorded the Osusu money in the Osusu Daily Collection
Register and also in the Client Osusu Passbook for accurate reconciliation in the
two books and for audit purpose.
5. Should be properly dress at all time before going to the field and report to the
Head of Operations for any field collection you encounter.
6. Osusu scheme should be for three month and which is called Osusu first cycle. After
the osusu clients observing the two osusu cycle he/she is qualify for individual loan
and should observed the full process to obtain individual loan product.
7. You should always record all Osusu daily collection into the Osusu software
system.
8. Make payment to the senior Admin/ Finance Officer on all Osusu daily collection
and also fill all payment made.
9. Ensure that the Head of Operations and Senior Admin / Finance Officer signed the
Payment Form.
10. Channel all information to the Head of Operations and which should be respond to
within 72 hours.
11. Osusu client buy a passbook and signed Osusu contract before contribution into
the Osusu scheme.
12. Any other assignment or responsibilities will be communicated to you.
13. Late for work three (3) times consecutively will be serve quarry letter to explain to
management why.
14. Should always follow the chain of command to reporting start from Head of
Operations to Senior Admin/ Finance officer and to Managing Director.
15. Should always respect authorities in the office and adhere to instruction from
them.

Approved By:

………………………………

Philip Kanu

Managing Director

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com
 MOTTO: OURS TO PLOUGH NOT TO PLUNDER
OFFICE ADDRESS: 55 Sunday Street, Calabatown, Freetown.
EMAIL ADDRESS: pajjmicrofinanceSLlimited@gmail.com
CONTACT NO: 079-20-10-51 / 030-76-24-74

CONTACT: 079201051/030762474 EMAIL:

pajjmicrofinanceSLlimited@gmail.com