Key Duties & Responsibilities

Ensure loan procedures are followed during appraisal, approval, disbursement, monitoring, and management in accordance with the Society’s credit policy and regulatory requirements.

Coordinate debt collection and recovery activities across all branches to ensure the Portfolio at Risk (PAR) is maintained at or below 5%.

Ensure due process is followed in a timely manner on loan defaulters in compliance with applicable laws, regulations, and the Society’s credit policies.

Identify, visit, and establish relationships with potential customers while actively marketing and selling the Society’s loan products and services.

Prepare and submit monthly product performance reports to the Credit Manager, highlighting portfolio growth, quality, trends, and recommendations.

Handle loan cases escalated or referred from branches and provide guidance on appropriate interventions and resolutions.

Follow up on death claims to ensure deceased members’ loan obligations are fully settled through the Society and relevant insurance providers.

Confirm monthly remittances from various check-off systems and follow up on irregularities, delays, or under-remittances.

Market, cross-sell, and promote the Society’s products and services to drive business growth and enhance member value.

Undertake any other relevant duties as may be assigned by the Credit Manager from time to time.

Person Specifications

High standards of integrity, honesty, and professionalism.

Strong analytical, problem-solving, and critical-thinking skills.

Basic financial analysis and credit assessment skills.

Sound understanding of debt recovery processes and collateral management.

Excellent communication, negotiation, and interpersonal skills.

Strong report writing, business writing, and presentation skills.

Ability to make timely decisions and exercise sound judgment.

Proactive, results-oriented, and initiative-driven approach to work.

Ability to work independently and collaboratively within a team environment.

Strong customer relationship management and business development skills.

Minimum Qualifications

Minimum Diploma in Credit Management, Co-operative Management, Banking, Finance, Business Administration, or a related business field.

Minimum of 3 years’ relevant experience in credit administration, loan appraisal, debt recovery, or a similar role within a SACCO, banking, or financial services environment.

Proficiency in computer applications and financial management systems.

Knowledge of SACCO loan products and credit administration processes with experience in recruiting, onboarding, and serving civil servants.

Understanding of collateral management and loan recovery procedures. A legal background or exposure to legal recovery processes will be an added advantage.

Knowledge of SACCO core banking software and credit management systems will be an added advantage.

Demonstrated ability to market financial products, manage loan portfolios, and support business growth initiatives.

• Ensure loan procedures are followed during appraisal, approval, disbursement, monitoring, and management in accordance with the Society’s credit policy and regulatory requirements.
• Coordinate debt collection and recovery activities across all branches to ensure the Portfolio at Risk (PAR) is maintained at or below 5%.
• Ensure due process is followed in a timely manner on loan defaulters in compliance with applicable laws, regulations, and the Society’s credit policies.
• Identify, visit, and establish relationships with potential customers while actively marketing and selling the Society’s loan products and services.
• Prepare and submit monthly product performance reports to the Credit Manager, highlighting portfolio growth, quality, trends, and recommendations.
• Handle loan cases escalated or referred from branches and provide guidance on appropriate interventions and resolutions.
• Follow up on death claims to ensure deceased members’ loan obligations are fully settled through the Society and relevant insurance providers.
• Confirm monthly remittances from various check-off systems and follow up on irregularities, delays, or under-remittances.
• Market, cross-sell, and promote the Society’s products and services to drive business growth and enhance member value.
• Undertake any other relevant duties as may be assigned by the Credit Manager from time to time.

• High standards of integrity, honesty, and professionalism.
• Strong analytical, problem-solving, and critical-thinking skills.
• Basic financial analysis and credit assessment skills.
• Sound understanding of debt recovery processes and collateral management.
• Excellent communication, negotiation, and interpersonal skills.
• Strong report writing, business writing, and presentation skills.
• Ability to make timely decisions and exercise sound judgment.
• Proactive, results-oriented, and initiative-driven approach to work.
• Ability to work independently and collaboratively within a team environment.
• Strong customer relationship management and business development skills.

• Minimum Diploma in Credit Management, Co-operative Management, Banking, Finance, Business Administration, or a related business field.
• Minimum of 3 years’ relevant experience in credit administration, loan appraisal, debt recovery, or a similar role within a SACCO, banking, or financial services environment.
• Proficiency in computer applications and financial management systems.
• Knowledge of SACCO loan products and credit administration processes with experience in recruiting, onboarding, and serving civil servants.
• Understanding of collateral management and loan recovery procedures. A legal background or exposure to legal recovery processes will be an added advantage.
• Knowledge of SACCO core banking software and credit management systems will be an added advantage.
• Demonstrated ability to market financial products, manage loan portfolios, and support business growth initiatives.