Responsibilities
- Receiving, Registering, Processing and appraising of loan
applications from members.
- Ensure accuracy and completeness of loan application forms
received from members
- Authenticate documentation presented for all credit
applications and ensure they comply with the credit policy
- Assess customer loan applications and make recommendations.
- Provide member support during loan applications.
- Support members and other stakeholders on general inquiries on
loans.
- Offer members with alternative solution if they cannot qualify
for the applied loan category or levels.
- Handle member complaints and take appropriate action to
resolve them.
- Ensure all applicants are advised on the fate of members
applications promptly
- Advise Credit Officer on demand for loans.
- Build and maintain professional relationships with the contact
person in the member organizations.
- Preparing and submitting remittance advices to members and
payroll officers upon disbursement of members’ loans and advising them on
deductions to be cleared.
- Keeping the time frame for the appraisals of loans
- Advise members on use of securities (Collateralization of high
risk accounts)
- Engage in clearance for members exiting the Sacco
- Ensure check-off adjustments (for check-off loans) are done
accurately and promptly, and ensuring monthly reconciliations of the
employer accounts.
- Generate CRB reports for loan applications, review and advise
applicants as appropriate.
- Guarantor substitution and management
- Implement Aggressively strategies to collect loan repayments
from customers and groups
- Monitor and follow-up collections for loans in default
- Maintain the PAR at the approved limits at the Sacco
- Enhance customer relations and provide excellent customer
experiences in Credit operations
- Any other duty assigned by the management from time to time.
Job Competencies (Knowledge, Experience and
Attributes / Skills).
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
Qualifications
- A Diploma in Accounting/Finance/Co-operatives Management or a
Business-Related Degree from a recognized university
- CPA IV or Credit Management Certification
- A minimum of 3 years’ experience in a busy financial
institution
How To Apply
We are an equal opportunity employer and value
diversity in our organization, all interested applicants should send their
applications together with a detailed Cover letter and CV to recruitment@shininghopeforcommunities.org with a clear subject line “JOB TITLE”.
Female candidates are highly encouraged to apply. Only shortlisted candidates
will be contacted. Applications should reach us no later than 8th July
2024.
