Description:

The Purpose of the Job

To ensure that credit appraisals and documentations are properly done. To ensure loan recovery in order to minimize non performing loans. To ensure loan facilities are released on time.

Key Tasks and Responsibilities

• Authenticate documentation presented for all credit applications and ensure they meet the requirements as required by the company
• Ensure compliance with the company Policy, Procedures and service level agreements
• Appraisal of customer loan applications and make recommendations
• Active participation in Credit Committee
• Verify that securities are provided and forwarded for perfection
• Manage portfolio under him/her to ensure good performance
• Ensure all applicants are advised on fate of applications within reasonable time
• Proactively manage risk / exposure for assigned portfolio continuously
• Ensure recovery of items pledged as security on delinquent loans
• Assist in the restructuring of debts in the interest of the Corporation and customer
• Assist in the grading and classification of loan accounts
• Member of the branch Credit committee
• Manage Customer and stakeholder relations in accordance with agreed Service Level Agreements
• Any other duties assigned by the Supervisor

Qualifications and Experience

• A university degree in a Business related field or Diploma in Business Administration
• At least 2years work experience as Credit Officer from Banking/Microfinance industry

Knowledge and Skills

Report writing skills, excellent skills in analysis of Financials, communication, interpersonal, organizational and negotiation skills, IT skills (MS Office)

Personal Traits

Self starter, Willingness to go an extra mile, Deliver on deadlines, Ability to align to the company culture, Team player

---