Credit Manager at Kenya Union Of Savings & Credit Co-operative Limited

Job Reference Number: PF-CM-21/4/21

Employment Terms: Three contract renewable based on performance

Reports To; CEO

Direct Reports: Credit Administrator

Job Purpose:

Oversee the growth of the Society’s loan portfolio while ensuring quality and health of the loan book is maintained.

Key Responsibilities

• Putting in place and implementing effective credit management, monitoring, collection and recovery strategies.
• Champion development and review of loan products.
• Generate loan reports to the CEO for presentation to the board.
• Identifying, assessing, and evaluating risk areas in recovery and making appropriate recommendations.
• Manage delinquent accounts to ensure that the Sacco complies with regulatory requirements.
• Implement and maintain a suitable credit management information system
• Manage the daily operations of the credit department in an efficient and effective manner. viii.   Develop, review and implement the Sacco’s credit policy.
• Ensure proper security perfection, documentation and custody.
• Ensure loan applications are reviewed and approved in line with the credit policy and the service charte
• Ensure timely disbursement of approved loans in liaison with finance department
• Preforming other duties as may be assigned from time to time.

Qualifications

• Bachelor’s Degree in Finance, Accounting, Banking, credit management or any other related.
• Professional qualifications in Credit Management (Certified Credit Professional)
• Diploma in cooperative management is an added advantage,
• Minimum of 3 years’ relevant experience in credit administration or loan management gained from working at management level in a financial institution

Attributes

• 30 years of age and above
• Orientation towards risk management
• Excellent communication and interpersonal skills. iv.          Good negotiation skills
• Be of exemplary integrity and honesty vi.     Financial analysis skills
• Analytical and critical thinking skills
• Be decisive and possess quick judgment skills ix.   Possess excellent business writing skills