Credit Officer at Daraja Microfinance Bank

Reporting to: Business Manager – lending
Salary: 40K

The Credit Officer is responsible for managing the credit function of the business function efficiently and effectively in order to ensure that it is a profitable line of business and that the organization is not exposed to risks.

Roles for the Credit Officer Job

• Revenue generation through growth of a high quality loan book
• Drive uptake of the lending products
• Ensure proper credit administration and loan recovery
• Developing and maintaining relationships with strategic partners, potential & existing clients with aim to increase and maintain the banks credit base.
• Reviewing and analysing the client’s credit risk status and giving a recommendation.

Credit Officer Job Competencies

• Degree or diploma in commerce, finance, business or related field
• Minimum of 2 years’ experience in lending to small and medium enterprises
• Proper and organized documentation skills
• Attention to detail
• Thorough knowledge of bank’s products and services
• Excellent interpersonal and networking skills, internally and externally
• Strong sales and relationship building skills

Other Requirements

• Certificate of good conduct
• Clean credit history