Reporting to the Micro-Credit Officer, the individual will be responsible for the recruitment of new customers, groups, managing existing business clientele, maintaining a quality loan portfolio, and cross selling the Sacco products. This role is focused to recruit, maintain, and grow the MSME and groups financing portfolio at the Sacco.

Key Responsibilities

Receive loan forms from members and register all loan applications for further processing and appraising of business loan applications.

Support members and other stakeholders on general inquiries on loans.

Providing member support during loan applications.

Offer members with alternative solution if they cannot qualify for the applied loan category or levels.

Verify applicant’s business information and assess ability to repay loans.

Authenticate documentation presented for all loan applications and ensure completeness and compliance with the credit policy

Field visits to validate applicants business/household information and their physical locations

Accurate field visits report to support business/group loan applications

Ensure all applicants are advised on fate of applications promptly

Keep the SLAs for the appraisals on loans

Advise members on use of securities (Collateralization of high-risk accounts)

Generate CRB reports for loan applications, review and advise applicants as appropriate.

Manage Guarantor/collateral substitution

Enhance customer relations and provide excellent customer experiences in Credit operations

Advise Micro-Credit Officer on demand for loans.

Implement Aggressively strategies to collect loan repayments from customers and groups

Monitor and follow-up collections for loans in default

Strictly adhere to the sacco operating policies and procedures in all dealings

Adhere to general regulatory procedures including AML as it pertains to “know your customer.”

Any other duty assigned by the management from time to time.

Essential Skills and Key Attributes

Familiar with Sacco laws and regulations

A person of integrity, team player with effective communication skills

Sound judgement and decision-making ability on lending across all sectors

Excellent in analytical, interpersonal and team management skills

Experience in working with targets and tight deadlines with minimal supervision

Experience with managing group lending and business loans

Qualifications and Experience

Business-Related Degree from a recognized university or a Diploma in Accounting/Finance/Co-operatives Management or

CPA IV or Credit Management Certification

A minimum of 3 years’ experience in a busy financial institution

Experience in a micro-finance environment is desirable

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