Relationship Officer - Credit

This role involves managing the credit portfolio, ensuring compliance with lending policies, and actively engaging with members regarding credit facilities. The officer will be crucial in evaluating creditworthiness, mitigating risks, and contributing to the SACCO's financial health through diligent credit management and cross-selling.

1. Track and manage the credit portfolio, focusing on loan delinquency, Non-Performing Loan (NPL) reduction, and overall loan book quality.
2. Collect, verify, and analyze financial information to assess borrower eligibility for credit facilities.
3. Ensure strict compliance with credit policies and procedures throughout the loan disbursement and monitoring processes.
4. Participate in Branch Credit Committee meetings to review and update risk qualifications for credit facilities.
5. Educate members and potential members on available credit facilities, options, and their respective terms.
6. Gather and compile comprehensive credit histories and other financial data for loan applicants.
7. Appraise loan applications in accordance with established credit policies and procedure manuals.
8. Actively cross-sell other SACCO products and services to maximize revenue and enhance customer satisfaction.
9. Verify the authenticity of individuals presenting loan appraisal instruments using intelligence.
10. Negotiate financial transactions, payment terms, and credit limits with members, presenting proposals to the Branch Manager.
11. Conduct due diligence, including Know Your Customer (KYC) and Anti-Money Laundering (AML) checks, to prevent fraud.
12. Maintain organized filing systems and update the Document Management System (DMS) by scanning all departmental documents.

1. Hold a CCP II/CPA II/CIFA II, a Diploma in Credit Management, Business Management, Cooperative Management, Accountancy/Finance & Banking, or a Bachelor’s degree in a related field.
2. Professional certifications like Certified Credit Professional or Certified Public Accountant are an advantage.
3. A minimum of 3 years of experience in a reputable financial institution, with credit management experience being an added advantage.
4. Achieved a minimum KCSE grade of C (Plain), including C (Plain) in English and Mathematics.
5. Must be above 28 years of age.
6. Strong ability to multitask with meticulous attention to detail.
7. Excellent communication and interpersonal skills.
8. Demonstrated ability to maintain high levels of equity, transparency, and confidentiality.
9. A collaborative team player.
10. Empathetic towards customer needs.
11. Proactive and takes initiative.
12. Self-driven and results-oriented.
13. Possesses integrity and professional competence.
14. Excellent organizational skills.