JOB REF: YSL/CRO/2024

ROLES AND RESPONSIBILITIES

FINANCIAL: 50%

• Credit Application file set up and follow up.
• Collect and analyze customers or prospect financial statements and other documents.
• Analysis and preparation of credit facility application files, and adherence to pricing conditions negotiated, within set SLAs after receipt of all the documents from the customers.
• Identify opportunities to cross sell the Sacco’s various products.
• Ensure full compliance with the Sacco’s Credit Policy.

CUSTOMER FOCUS: 30%

• Managing the loan portfolio.
• Analysis of the real needs of the customer and check consistency of requested and proposed facilities.
• Ensure retention of clients while enriching and updating prospect databases.
• Identify opportunities to meet customer needs and for cross selling.
• Follow up on customer complaints and ensure delivery within Service Level Agreements and procedures.
• Scheduled focused calls to customers to contribute to continuous improvement of customer relationships.

OPERATIONAL: 20%

• Counterparty Risk Contribution: Update time schedules of customer files: KYC information, call reports, maturities, completion of security documentation, insurances, rates and loan installment arrears.
• Ensuring adherence to the regulatory compliance and implementation of effective anti-money laundering procedures controls.
• Ensuring initiation of MOUs with reputable organizations.
• Strict adherence to the Sacco’s Code of Ethics in all customer dealings.

QUALIFICATIONS AND EXPERIENCE

• University Degree preferably in a Business-related field.
• Atleast 3 years working experience as a Credit Officer handling MSME clients in financial institutions(Sacco/Microfinance/Bank)
• Solid analytical skills and experience in credit appraisal, handling, and resolving customer requests and queries.
• Good understanding of prudential guidelines and KYC.
• Strong communication and team-building skills with ability to work with diverse teams.
• Resilient, confident and self-motivated.