Relationship/Loan Officer

Job Title: Credit Officer

About the Role

We are seeking a dynamic and results-driven Credit Officer to join our team. The ideal candidate will be responsible for originating, evaluating, and managing revolving credit facilities while building strong client relationships and driving portfolio growth. This role requires a blend of sales acumen, credit analysis skills, and a commitment to maintaining high repayment performance.

Key Responsibilities

• Identify and recruit new clients for revolving credit facilities.
• Market and sell the organization’s loan products.
• Conduct customer needs assessments and financial evaluations.
• Receive and process loan applications.
• Verify customer information and supporting documentation.
• Conduct credit appraisal and risk assessment.
• Recommend loan approvals within delegated authority.
• Prepare loan documentation and facilitate disbursements.
• Build and maintain strong customer relationships.
• Educate clients on loan terms, repayment obligations, and financial literacy.
• Monitor loan utilization and portfolio performance.
• Follow up on due repayments and minimize portfolio at risk (PAR).
• Manage delinquent accounts and support debt recovery efforts.
• Achieve assigned loan disbursement and collection targets.
• Maintain accurate customer records and CRM updates.
• Conduct regular market intelligence and competitor analysis.
• Cross-sell additional financial products and services.
• Ensure compliance with company policies and regulatory requirements.
• Prepare daily, weekly, and monthly performance reports.
• Represent the organization professionally within assigned markets.

Qualifications & Requirements

• Diploma or Degree in Business, Finance, Economics, Marketing, or a related field.
• Minimum of 2 years’ experience in microfinance, SACCO, banking, or credit operations.
• Experience managing revolving credit products is highly desirable.
• Strong knowledge of credit appraisal and loan processing.
• Proven experience in sales and portfolio growth.
• Good understanding of debt collection and recovery processes.
• Proficiency in Microsoft Office and digital lending systems.
• Valid riding licence or driving licence is an added advantage.
• Willingness to work in the field and travel within assigned territories.

Skills & Competencies

• Sales and negotiation skills
• Customer relationship management
• Credit analysis ability
• Strong communication skills
• Target-driven mindset
• Problem-solving ability
• Financial literacy
• Time management
• High integrity
• Attention to detail
• Resilience and adaptability
• Team player

How to Apply

Qualified candidates are invited to submit their application, including a cover letter and CV, before the end date. Applications will be reviewed on a rolling basis.

End Date: 3rd July 2026