CREDIT RELATIONSHIP OFFICERS

Key Roles and Responsibilities

• Identify and recruit new members to grow the credit book in line with set branch targets.
  
• Conduct financial analysis and prepare detailed credit appraisal reports in compliance with internal SLAs and Credit Policy.
  
• Offer financial advisory support, and identify cross-selling opportunities to members.
  
• Manage the assigned loan portfolio, ensuring timely repayments and proactive follow-up on non-performing loans.
  
• Monitor loan maturities, securities, applicable rates, insurance status, and instalment arrears to support effective portfolio management.
  
• Ensure all new accounts and loan applications comply with KYC and AML/CFT requirements.
  
• Maintain complete and up-to-date credit files, including securities, insurance records, and call reports.
  
• Initiate and follow up on institutional agreements and check-off arrangements to expand the Sacco’s reach.
  
• Resolve customer queries and complaints promptly while maintaining high service standards.

Qualifications and Experience

• Bachelor’s degree in a business-related field such as Finance, Accounting, Economics, or a related discipline.
  
• Minimum of three (3) years’ experience in credit management, preferably handling MSME or agribusiness portfolios within a Sacco, microfinance institution, or bank.
  
• Strong proficiency in credit risk analysis, financial statement interpretation, and portfolio monitoring.
  
• In-depth understanding of SASRA Prudential Guidelines, the Data Protection Act, and KYC/AML requirements.
  
• Strong interpersonal skills, resilience, self-drive, and the ability to work under pressure to meet deadlines.