Relationship Officer -Credit

JOB PURPOSE

The Relationship Officer - Credit will be responsible for evaluating, reviewing credit applications, documentation, financial information disclosures such as financial statements, credit reports, collateral details to ensure files are complete, accurate and decision ready while maintaining compliance with SACCO lending policies

JOB DESCRIPTION

Continuously track and manage portfolio allocation and the key performance indicators such us loan delinquency, NPL reduction and overall loan book quality- Portfolio At Risk -30 days and PAR – 90 days.

Collect, verify, and analyze information to help in determining whether the credit borrower qualifies for the facility.

Comply with credit policies and procedures by monitoring activities related to quality disbursement,portfolio monitoring and other routine lending activities

Review and update the qualification of risk during the Branch Credit Committee meetings and during the credit life once disbursed.

Explain to members and would be members on the different types of credit facilities and options that are available and the terms of those services.

Obtain and compile loan applicant’s credit histories and other financial information.

Appraise loan applications as guided by the Credit policy and the procedure manuals.

Use the opportunity to cross-sell all other products and services offered by the SACCO in order to maximize revenues while enhancing customer’s satisfaction levels.

Use intelligence to verify the authenticity of the person presenting instruments of loan appraisal.

Negotiate with members regarding financial transactions, payment terms, and credit limits and present the same to the Branch manager.

Exercise due diligence in operations on Know your customer (KYC) and anti-money laundering (AML) to prevent and detect frauds and forgeries.

Maintain appropriate filing systems and update the DMS by scanning all documents for the department.

PREFERRED QUALIFICATIONS

CCP II/CPA II/CIFA II or Diploma in Credit Management, Business management, Cooperative Management, Accountancy/finance & Banking or diploma in relevant field/Bachelor’s degree in Cooperative, finance, accounting, or any other related field.

Professional certification such as Certified Credit Professionals/Certified Public Accountant will be an added advantage.

Minimum experience of 3 years in a reputable financial institution. Those with experience in credit management will have an added advantage

KCSE minimum qualifications: (C Plain) with C (plain) in English and Mathematics.

PERSON SPECIFICATIONS

Age above 28 years.

Ability to multitask with close attention to details.

Possess good communication and interpersonal skills.

Ability to maintain high level of equity, transparency and confidentiality.

Must be a team player

Must be empathic to customer’s needs.

Proactive and possess initiative.

Self-driven and results oriented.

Demonstrate integrity and professional competence

Excellent organization skills

go to method of application »

Minimum qualifications

BA/BSc/HND , Diploma , KCSE , Professional Certificate

How to apply

Use the link(s) below to apply on company website.

ICT Security Manager

Branch Manager

Customer Relationship Officer

Digital Marketing Officer

Relationship Officer - Business Development

Relationship Officer - Branch Customer Service

Relationship Officer -Credit

Risk and Compliance Officer

Teller

https://www.myjobmag.co.ke/apply-now/1361890

Similar open roles

• Relationship OfficerBrightcom Investments Limited · Nairobi
• Area Collections ExecutiveSun King (Formerly Greenlight Planet) · Nairobi
• Branch ManagerTower Sacco · Nairobi
• Relationship Manager – HNI at Gulf African BankGulf African Bank · Nairobi
• Relationship Manager – SME at Gulf African BankGulf African Bank · Nairobi
• Relationship Manager, Structured Trade Finance at SBM BankSBM Bank · Nairobi