At Human Capital Outsourcing Limited, our journey began in 2017. We're not just an HR consultancy firm; we're your trusted strategic partners in realizing your vision. Over the years, our commitment to excellence has guided us through a path of continuous growth and learning.

Read more about this company

Relationship/Loan Officer

Job Type: Full Time

Qualification: BA/BSc/HND , Diploma

Experience: 2 years

Location: Embu

Job Field: Finance / Accounting / Audit

Responsibilities

• Identify and recruit new clients for revolving credit facilities.
• Market and sell the organization's loan products.
• Conduct customer needs assessments and financial evaluations.
• Receive and process loan applications.
• Verify customer information and supporting documentation.
• Conduct credit appraisal and risk assessment.
• Recommend loan approvals within delegated authority.
• Prepare loan documentation and facilitate disbursements.
• Build and maintain strong customer relationships.
• Educate clients on loan terms, repayment obligations, and financial literacy.
• Monitor loan utilization and portfolio performance.
• Follow up on due repayments and minimize portfolio at risk (PAR).
• Manage delinquent accounts and support debt recovery efforts.
• Achieve assigned loan disbursement and collection targets.
• Maintain accurate customer records and CRM updates.
• Conduct regular market intelligence and competitor analysis.
• Cross-sell additional financial products and services.
• Ensure compliance with company policies and regulatory requirements.
• Prepare daily, weekly, and monthly performance reports.
• Represent the organization professionally within assigned markets.

Skills & Requirements

• Diploma or Degree in Business, Finance, Economics, Marketing, or a related field.
• Minimum of 2 years' experience in microfinance, SACCO, banking, or credit operations.
• Experience managing revolving credit products is highly desirable.
• Strong knowledge of credit appraisal and loan processing.
• Proven experience in sales and portfolio growth.
• Good understanding of debt collection and recovery processes.
• Proficiency in Microsoft Office and digital lending systems.
• Valid riding licence or driving licence is an added advantage.
• Willingness to work in the field and travel within assigned territories.
• Sales and negotiation skills
• Customer relationship management
• Credit analysis ability
• Strong communication skills
• Target-driven mindset
• Problem-solving ability
• Financial literacy
• Time management
• High integrity
• Attention to detail
• Resilience and adaptability
• Team player

• Identify and recruit new clients for revolving credit facilities.
• Market and sell the organization's loan products.
• Conduct customer needs assessments and financial evaluations.
• Receive and process loan applications.
• Verify customer information and supporting documentation.
• Conduct credit appraisal and risk assessment.
• Recommend loan approvals within delegated authority.
• Prepare loan documentation and facilitate disbursements.
• Build and maintain strong customer relationships.
• Educate clients on loan terms, repayment obligations, and financial literacy.
• Monitor loan utilization and portfolio performance.
• Follow up on due repayments and minimize portfolio at risk (PAR).
• Manage delinquent accounts and support debt recovery efforts.
• Achieve assigned loan disbursement and collection targets.
• Maintain accurate customer records and CRM updates.
• Conduct regular market intelligence and competitor analysis.
• Cross-sell additional financial products and services.
• Ensure compliance with company policies and regulatory requirements.
• Prepare daily, weekly, and monthly performance reports.
• Represent the organization professionally within assigned markets.

• Sales and negotiation skills
• Customer relationship management
• Credit analysis ability
• Strong communication skills
• Target-driven mindset
• Problem-solving ability
• Financial literacy
• Time management
• High integrity
• Attention to detail
• Resilience and adaptability
• Team player

• Diploma or Degree in Business, Finance, Economics, Marketing, or a related field.
• Minimum of 2 years' experience in microfinance, SACCO, banking, or credit operations.
• Experience managing revolving credit products is highly desirable.
• Strong knowledge of credit appraisal and loan processing.
• Proven experience in sales and portfolio growth.
• Good understanding of debt collection and recovery processes.
• Proficiency in Microsoft Office and digital lending systems.
• Valid riding licence or driving licence is an added advantage.
• Willingness to work in the field and travel within assigned territories.