Loan Officer Productivity Calculator
How much does each of your loan officers actually carry? Enter your portfolio, active borrowers and officer headcount to see portfolio-per-officer, borrowers-per-officer and average portfolio per borrower — optionally alongside your PAR30.
| Portfolio per officer | TZS 112,500,000 |
| Borrowers per officer | 155 |
| Average portfolio per borrower | TZS 725,806 |
| Loan officers | 4 |
| Active borrowers | 620 |
How this is calculated
Three simple averages: how much lending value each officer carries, how many client relationships each officer carries, and the average loan size on the book. Add branches, monthly disbursements, monthly collections or PAR30 for a fuller picture — the extra figures are shown per officer and beside portfolio quality.
Show the calculation formula
portfolio per officer = total portfolio outstanding ÷ loan officers
borrowers per officer = active borrowers ÷ loan officers
average portfolio per borrower = total portfolio outstanding ÷ active borrowers
All three are straightforward averages. They only mean something read together and in context — portfolio quality, product mix and how automated the workflow is all change what a “good” caseload looks like.
What is portfolio-per-officer?
It is a headline efficiency measure — the average loan value each officer is responsible for. Rising portfolio-per-officer can signal growing efficiency, or growing risk if it outpaces the support and controls around each officer. Read it next to average portfolio per borrower to know whether it reflects larger loans or simply more of them.
How to interpret these numbers
There is no universal productivity benchmark: interpretation depends on loan size, product type, collection model, geography, portfolio quality and automation. Caseload numbers only mean something in context — a digital, well-supported officer can safely manage a far larger book than a fully manual one, which is exactly where a platform like Ustawi changes the maths. Where a benchmark matters, use your own institution’s history and targets rather than a one-size-fits-all figure.
FAQ
What is portfolio-per-officer?
The total outstanding loan portfolio divided by the number of loan officers — a measure of how much lending value each officer manages on average.
What is borrowers-per-officer?
Active borrowers divided by loan officers — a measure of caseload, i.e. how many client relationships each officer carries.
How is average portfolio per borrower useful?
It is the total portfolio divided by active borrowers — the average loan size on your books. It tells you whether your caseload is made of many small loans or fewer large ones, which is the context that makes portfolio-per-officer and borrowers-per-officer meaningful.
What is a good caseload?
There is no universal number. A good caseload depends on your lending model — loan size, product type, collection model, geography, portfolio quality and how automated the workflow is. Read the ratios together and against your own historical targets, not a one-size-fits-all benchmark.
Why view productivity alongside PAR?
Productivity without quality can be misleading: a very high caseload that comes with rising PAR30 is not efficiency, it is risk building up. Entering your PAR30 lets you read caseload and portfolio quality side by side.
What if I enter zero officers?
The tool asks you to enter at least one officer before it calculates — you will never see a divide-by-zero error.
Should I count part-time or field-only officers?
Count the officers who actually carry a caseload, on a full-time-equivalent basis, for the portfolio you entered. Mixing a head-office team into a branch portfolio, or counting supervisors who do not carry clients, will understate the true caseload per officer.
Is anything I enter saved or sent anywhere?
No. Every ratio is computed entirely in your browser — nothing you type is stored or transmitted to any server.
Raise productivity without raising risk.
Caseload is only safe when the workflow supports it. Ustawi runs field productivity and portfolio quality on one platform — agent and lead management in Field Sales & Agent CRM, and the DPD-driven collections ladder in Collections & Delinquency — so a well-supported officer can carry a larger book while delinquency stays visible and controlled.