Our client, a Regulated Community Based Sacco based in Nairobi, is urgently seeking to recruit qualified and highly motivated individuals to fill the vacant position of Credit Officer.

CREDIT OFFICER (REF: CBI/CO/07/25)

The Credit Officer is responsible for maintaining a healthy and growing credit portfolio while ensuring quality membership and effective microfinance operations. This role combines traditional loan processing with field-based microfinance activities to achieve agreed targets regarding portfolio size, delinquency, and default rates.

REPORTING TO: BRANCH MANAGER

Key Duties & Responsibilities

1. Credit Management & Loan Processing
   • Handle member loan approvals and payment processing
   • Conduct loan appraisal and adequately process loan applications
   • Verify appraised loan forms before management approval
   • Maintain loan register and guarantors records
   • Manage CRB queries and assist in reducing loan turnover time
   • Generate routine credit reports (rejected loans, repayment status, etc.)
   • Comply with loan procedures and legal requirements
2. Customer Service & Communication
   • Notify loan applicants monthly on repayment start dates through various channels
   • Attend to member queries regarding loans and services
   • Draft notices to debtors and demand letters for loans in arrears
   • Negotiate payment arrangements with customers who have delinquent loans
   • Ensure provision of quality service to all customers
3. Business Development & Field Operations
   • Market and sell Sacco products including member accounts, savings products, loans, and credit products
   • Recruit new members and maintain/activate existing clients
   • Visit microfinance groups on daily basis to facilitate savings and loan repayments
   • Maintain quality client portfolio through effective monitoring, evaluation, and follow-up
   • Collect market intelligence and competitor intelligence
4. Coordination & Reporting
   • Coordinate loan processing with other departments
   • Prepare periodical credit reports for management
   • Perform any other duties as assigned from time to time

MINIMUM QUALIFICATIONS, KNOWLEDGE AND EXPERIENCE

Business-related degree or equivalent from a recognized university; OR Diploma in Co-operative Management, Credit Management, or Banking from a recognized institution.
CPA II certification with minimum 2 years’ experience in Credit Management in a Financial Institution.

REQUIRED ATTRIBUTES & SKILLS

1. Communication & Interpersonal Skills
   • Excellent verbal and written communication skills
   • Effective listening abilities
   • Good people, interpersonal, and networking skills
   • Able to handle difficult customers with diplomacy and tact
2. Technical & Analytical Skills
   • Strong analytical and problem-solving abilities
   • Ability to read, analyze, and interpret financial statements
   • Good knowledge of Microsoft Office Suite
   • Knowledge of Sacco products and services
3. Personal Attributes
   • Demonstrated integrity and ethical standards
   • High level of professionalism
   • Self-confidence and motivation
   • Accuracy and attention to detail
   • Sound judgment and decision-making ability
4. Work Style & Adaptability
   • Highly developed teamwork skills
   • Effective time management and adaptability to changing priorities
   • Ability to follow written instructions and documented procedures
   • Capable of working productively with a wide range of people

How to apply

Interested and qualified applicants are requested to click on the link below and fill out the online application form and submit by 22nd July 2025. Any applications received after the closing date shall not be accepted.

https://forms.office.com/r/hW1PXS874D

Only shortlisted candidates will be contacted. If you do not hear from us by 31st July 2025, consider your application as unsuccessful.