Credit Manager – Micro Group Lending & Agri-business Loans at Tower Sacco

JOB PURPOSE 

• This role involves overseeing a diverse portfolio that includes micro-groups, farmers, dairy cooperatives, Agri-Business, and climate smart agriculture initiatives.  The incumbent will be responsible for strategic leadership, Agri & Micro group lending product innovation, manage credit risks and engage stakeholders to strengthen the SACCO’s impact on Micro group lending and agricultural sector. 

JOB DESCRIPTIONS: 

• Drive the credit strategy through micro & agri-business loans portfolio.  
• Drive the creation, implementation and monitoring of customized financial products to enhance micro group lending and agribusiness loans. 
• Establish and maintain strategic partnerships with development organizations, government bodies and industry stakeholders. 
• Enforce Credit Policy and risk management policy with regards to micro group lending & agri-business loan portfolio. 
• Review of loan applications and analysis of credit information to assess member’s credit worthiness. 
• Implement strong risk assessment frameworks to maintain portfolio quality and ensure compliance on loan policies & procedures. 
• Provide advice, guidance, training and mentorship to micro-groups, lending staff at the branch level regarding micro-credit and agri-business loan policies and procedures, credit analysis, financial statement evaluation, and credit investigations.  
•  To ensure the attainment of Loan repayment & recovery department targets, objectives and management of PAR. 
• Offer financial advisory services to micro- groups members, group leaders and farmers. 
• Advise the Head of Credit on all matters relating to the department’s product development, debt management and loan recovery. 
• Implement and maintain controls for underwriting, loan administration and collections of Micro group lending & agri-business loans. 
• Any other duties that may be  assigned by the Head of Credit or any other person in authority. 

PREFERRED QUALIFICATIONS 

• Bachelor’s degree in Finance, Accounting, Economics, or relevant Business related field or CCP Finalist. 
• Professional certification such as CPA, ACCA, CIFA or CCP qualification will be an added advantage. 
• Have at least 5 years practical experience in a reputable financial institution preferably in credit management/Agri- business financing/Micro group lending environment.   
• In depth knowledge of agricultural value chains, climate-smart agriculture, rural finance & Micro-group lending. 
• KCSE mean Grade C (plain) with C plain in Mathematics and English. 
• Above 30 years. 
• Be proactive and initiative. 
• Have excellent interpersonal and communication skills for engaging diverse stakeholders. 
• Must be self- motivated and be ready to work with minimum supervision. 
• Be a team player.